We hear that one a lot. “But I only watch streaming services!” That’s fine, but only if you never watch live TV on any device. If your home is a pure on-demand zone—Netflix, Prime, Disney+, Apple TV+—and you don’t have any live broadcast capability, then you don’t need a licence.
However, here’s the real-world test. If you have a TV set plugged in and tuned to any channel, you are technically capable of receiving live broadcasts. The law says if you have equipment that can receive live TV, and you use it for that purpose, you need a licence. It’s about what you do, not just what you own.