Typically a coffee subscription is a prepaid product for a defined period of time, often 6 or 12 months, whereby you are asked to pay the full amount in advance.

Having parted with your cash, if for any reason you are less than satisfied with the coffee or service you are receiving you're going to have to live with it for the next twelve months.

Secondly, you become an unsecured creditor if the firm were to collapse before you received all of the coffee you paid for.  In other words you will only get your money back after all the secured creditors have been paid, and you will typically be paid on a pro-rata basis.  So, by way of example, if there is GBP10 left after all the secured creditors have been paid and GBP100 is owed to unsecured creditors, you will receive 10% of unexpired value of the subscription.  Into the bargain you will wait many months to get your money back.

With a Londinium coffee subscription you only pay a month at a time, and you can cancel at any time with no notice period for any reason you like.  Yes, that's right it works on trust.  The thing is since 2007 we've only ever had one customer exploit the arrangement, and he tired of the game before we did.

So with a Londinium monthly coffee subscription you get to keep your cash in your pocket for much longer, and your maximum exposure in the event of financial collapse would be the cost of 1 month's subscription.

Give it some thought.