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the £10 isnt a charge so yes it will roll over as its yours. I had the genie sim which used to be unlimited text that got reduced once o2 took over and is now 300 texts and your credit rolls over this I think is the same
Also go online and register your magic numbers (they require the £10 a month top-up as well) but at least they save you money (I think you;re allowed 3 magic numbers)