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High Street Offers

There are mixed reports on cashback offers from internet providers so what's available on the hight street?

Phones4U offered me a <free> SE K580i on 18mth Orange Dolphin contract with option to buy out after 12mths. £35 pm tarriff but with £120 cash back up front to effectively reduce tarrif to £25pm for 500min and 3000 texts plus free calls to magic number. They also offered to throw in a bluetooth headset worth £20.

Quite happy with that deal but what tops it?

What's the view on insurance for pay monthly phones which at £8mth seems steep - was only offered first month free.
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