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  • FIRST POST
    • MSE Martin
    • By MSE Martin 3rd Mar 08, 8:00 AM
    • 8,111Posts
    • 42,248Thanks
    MSE Martin
    0 WOW
    The Great “Best No-contract” Deals Hunt
    • #1
    • 3rd Mar 08, 8:00 AM
    0 WOW
    The Great “Best No-contract” Deals Hunt 3rd Mar 08 at 8:00 AM
    What's it about?

    Often the best MoneySaving deals on anything from financial products to mobile phones require a contract of e.g., six, 12 or 18 months. While this is fine for home-owners not planning to move in the near future for those that are and, especially, for those in short-term accommodation this provides a dilemma.

    So I thought I'd call upon MoneySavers' wealth of knowledge to dig out the best deals where no contract is required; phones, broadband, insurance and more.

    What to do?

    Click the "Post Reply" button below and let other MoneySavers know your top tips.

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by Former MSE Wendy; 15-04-2008 at 5:46 PM.
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.

    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.

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Page 1
    • saintscouple
    • By saintscouple 7th Apr 08, 4:44 PM
    • 3,898 Posts
    • 2,932 Thanks
    saintscouple
    • #2
    • 7th Apr 08, 4:44 PM
    • #2
    • 7th Apr 08, 4:44 PM
    Pay as you Go car insurance from eCar Insurance

    Councils normally offer Pay as you Go home contents insurance for tenants.

    There is this comparison engine, that you can sort by minimum contract term, that gives you a list of broadband providers offering PAYG on a monthly basis.

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by Former MSE Natasha; 15-04-2008 at 7:19 PM. Reason: added broadband comparison engine
    • Thunderbird
    • By Thunderbird 8th Apr 08, 11:14 PM
    • 612 Posts
    • 265 Thanks
    Thunderbird
    • #3
    • 8th Apr 08, 11:14 PM
    • #3
    • 8th Apr 08, 11:14 PM
    Vodafone pay as you talk has an amazing feature called Stop The Clock where you pay speak up to an hour but only pay for the first 3 min. Important to remember: this is off-peak only, from 19:30 till 7:00 and all the weekend.

    Another one is O2 pay as you go. If you top up £15, £20 or £30 a month, you can get 150, 200 or 300 free min the month after.

    Hope this will help someone save money.
    • billsavings
    • By billsavings 9th Apr 08, 3:25 AM
    • 1,945 Posts
    • 778 Thanks
    billsavings
    • #4
    • 9th Apr 08, 3:25 AM
    • #4
    • 9th Apr 08, 3:25 AM
    Virgin Mobile 300 x-net minutes. 300 x-net texts.Free Voicemail. Sim Only. £10 a month paid by d/d. But no contract. Available only to existing Virgin Media Customers. Handy if you have a spare phone.

    http://allyours.virginmedia.com/html/bundles/virginmobileoffer.html
  • mobilez
    • #5
    • 9th Apr 08, 4:09 AM
    Broadband
    • #5
    • 9th Apr 08, 4:09 AM
    There are quite a lot of internet providers offering "no contract" broadband. These are just a few examples, not a complete list. I'm assuming "no contract" to mean 1 month contract and/or 1 month notice.


    PlusNet
    1 month contract for all plans on this page
    http://www.plus.net/residential/broadband/?resindex=tab_broadband

    * connection is £40 unless you're transferring from another ISP and does not include a router/modem


    IDnet
    1 month minimum for the plan on this page:
    http://www.idnet.net/solutions/homepayg.jsp
    (includes 1Gb download allowance)

    * connection is £47 unless you're transferring from another ISP and does not include a router/modem


    Names.co.uk
    30 days minimum for all plans on this page:
    http://www.names.co.uk/adsl.html
    (all include 1Gb download allowance)

    * you pay £70.50 if you terminate within 12 months to cover setup costs but get a free router and free setup on most tariffs


    NewNet
    1 month minimum for all plans on this page but you need to add £1 per month to the price you see as the monthly rate they display is based on paying annually :confused: :
    http://www.newnet.co.uk/broadband/home.php

    * connection appears to be £39.99 unless you're transferring from another ISP and does not include a router/modem


    Prodigy
    1 month minimum for all plans on this page but watch for £39.99 disconnection charge unless transferring out to a new provider
    http://www.prodigynet.co.uk/menu.php?page=adsl&home=true

    * connection is £39.99 unless transferring from another ISP and does not include a router/modem


    Close but no cigar:
    3 month notice - https://www.bethere.co.uk/broadbandcomparision.do
    3 month contract - http://www.freedom2surf.net/adsl/homeuser.php


    Sorry if there are any mistakes!

    Mobilez

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by Former MSE Natasha; 15-04-2008 at 7:19 PM.
  • mobilez
    • #6
    • 9th Apr 08, 4:45 AM
    Contract Mobile Phones
    • #6
    • 9th Apr 08, 4:45 AM
    Here are the "no contract" contract options from each of the big networks
    (ie a 1 month contract length - but you pay monthly by direct debit instead of by voucher)

    All minutes and sms mentioned are anytime any network as far as I can tell

    "No contract" contract mobiles do not usually include a handset - you receive a sim to use in your existing phone (in most but NOT all cases you can buy that network's cheapest pay as you go phone and put the sim in it)



    Orange
    Example plans:
    £15 per month (200 mins & 300 sms)
    £35 per month (1000 mins & 400 sms & 250mb browsing)
    1 month contract
    http://shop.orange.co.uk/shop/paymsim


    Virgin
    Example plans:
    £15 per month (300 mins & 300 sms or 150 mins & 1000sms)
    £30 per month (750 mins & 750 sms)
    1 month contract
    http://www.virginmobile.com/vm/simCardOnly.do


    o2
    Example plans:
    £15 per month (200 mins & 400 sms & unlimited o2 to o2 calls)
    £30 per month (1200 mins & 1000 sms & unlimited o2 to o2 calls)
    1 month contract
    http://shop.o2.co.uk/tariffs/sim_only


    T-mobile
    Example plans:
    £15 per month (200 mins & 800 sms)
    £30 per month (800 mins & unlimited sms)
    1 month contract
    http://www.t-mobile.co.uk/shop/mobile-phones/sim-card/pay-monthly/


    Vodafone
    Example plans:
    £15 per month (150 mins & 500 sms)
    £25 per month (500 mins & unlimited sms)
    1 month contract
    http://shop.vodafone.co.uk/index.cfm?go=simpacks.paymonthly


    Sorry for any mistakes!

    Mobilez
    Last edited by mobilez; 09-04-2008 at 4:57 AM.
  • mobilez
    • #7
    • 9th Apr 08, 4:55 AM
    • #7
    • 9th Apr 08, 4:55 AM
    Virgin Mobile 300 x-net minutes. 300 x-net texts.Free Voicemail. Sim Only. £10 a month paid by d/d. But no contract. Available only to existing Virgin Media Customers. Handy if you have a spare phone.

    http://allyours.virginmedia.com/html/bundles/virginmobileoffer.html
    Originally posted by billsavings

    This is available to non Virgin Media customers for £15 per month instead of £10:
    http://www.virginmobile.com/vm/simCardOnly.do

    Mobilez
  • mobilez
    • #8
    • 9th Apr 08, 5:22 AM
    Car Insurance
    • #8
    • 9th Apr 08, 5:22 AM
    Various car insurance companies offering either no contract or where you can choose the length of cover:


    Insurance by the month
    for ladies: http://www.eladydriverinsurance.co.uk/
    for gents: http://www.ecarinsurance.co.uk/ (credit to saintscouple for posting this link originally)


    Insurance by the day
    http://tempcover.com/TempCover/tcvCarIns.aspx


    From 2 weeks to 1 year cover
    https://www.hertsinsurance.com/shortperiod.php


    From 1 to 28 days cover
    http://www.theaa.com/insurance/short-term-car-insurance.html
    http://www.insuredaily.co.uk/features.html
    http://www.norwichunion.com/short-term-insurance/
    http://www.dayinsure.com/carfeatures.aspx


    Worthy of a mention
    http://www.norwichunion.com/pay-as-you-drive/
    (I think an annual policy - but your car gets GPS tracked/bugged for free and you are billed a fixed fee plus the miles you actually drive! Special offers include letting drivers aged 18-23 to drive 100 miles "off peak" for free each month - ideal for cruising to the local retail park or street racing lol )


    Mobilez
    Last edited by mobilez; 09-04-2008 at 5:36 AM.
  • mobilez
    • #9
    • 9th Apr 08, 6:09 AM
    Broadband II
    • #9
    • 9th Apr 08, 6:09 AM
    AOL Broadband have an offer called "Broadband Wireless Flexi" with no contract (and discounted rental for the first 3 months, if you stay that long!)

    As far as I know it's only available by calling 0800 954 0340 - this is definitely a genuine and publicly available AOL number - it's even on the AOL UK site

    1 month contract
    £14.99 per month (£4.99 for first 3 months if signup by 29/06/2008)
    £29.99 setup includes wireless router
    (not sure if there's a disconnection charge)


    Mobilez
    Last edited by mobilez; 01-05-2008 at 2:27 AM.
    • jago25_98
    • By jago25_98 9th Apr 08, 8:01 AM
    • 616 Posts
    • 129 Thanks
    jago25_98
    Three 3G Internet Broadband.

    Not to be confused with `Internet` option, the broadband option for example, £10/month for 1000gb is useful and mobile.

    Available via bluetooth on existing handset or get USB modem
  • medic1978
    Three 3G Internet Broadband.

    Not to be confused with `Internet` option, the broadband option for example, £10/month for 1000gb is useful and mobile.

    Available via bluetooth on existing handset or get USB modem
    Originally posted by jago25_98
    £10 for 1 GB not 1000GB!

    Otherwise, reasonably good.
    No contract needed. Top up £10 when you need it.
    • thamesmatt
    • By thamesmatt 10th Apr 08, 10:43 AM
    • 95 Posts
    • 18 Thanks
    thamesmatt
    £10 for 1 GB not 1000GB!

    Otherwise, reasonably good.
    No contract needed. Top up £10 when you need it.
    Originally posted by medic1978

    Looked at this, this modem is/was £99 though which could almost make a 12 month contract more cost effective as I think the modem is free then
  • Bob63
    AOL Broadband have an offer called "Broadband Wireless Flexi" with no contract (and discounted rental for the first 3 months, if you stay that long!
    Originally posted by mobilez
    It is only available in unbundled exchanges where AOL have their own equipment, so it is not available to everyone - especially those in smaller towns or villages.
    • lean&mean
    • By lean&mean 10th Apr 08, 11:38 AM
    • 65 Posts
    • 31 Thanks
    lean&mean
    Looked at this, this modem is/was £99 though which could almost make a 12 month contract more cost effective as I think the modem is free then
    Originally posted by thamesmatt
    Nearly true, I think the contract is 18 months for the modem to be free, but as the previous post mentions, you might be able to use your phone as a modem. For example, I have an HTC Tytn unlocked originally from 02 which works fine with Three. I can connect it to my laptop with a cable or use bluetooth and use the Three Internet for £10 for a month's use. Quite a few of the existing Three phones can be used as modems. What's also good is that you can convert your existing PayAsYouGo credit into the Internet Use on the My3 webpage once you've registered. A Three store can probably tell you if your phone will work and if you'll get full 3g (HSDPA) speeds. Do be aware that Three also has an 'internet top-up' for a fiver I think, but that only works on your phone and you can't connect your laptop for email, chat etc.

    If you can't be doing with all that techie stuff you should be able to get a Three modem for about £60-70 on an auction site.

    If you're an existing Three subscriber, you can get a half price Internet contract, so the 1GB contract costs only a fiver, and the 3GB is only £7.50. But this doesn't apply to PayG customers (I discovered). This offer applied last week in my local Three store, but I don't think it's available online.

    Hope this helps.
    Last edited by lean&mean; 10-04-2008 at 11:41 AM. Reason: Correction
  • dansphere
    Mobile only option
    I would try out a mobile with 3G or even 3.5G access on a pay as you go with extras like the orange extras, pay £1 a day for unlimited internet all day of £5 for a week. You can bluetooth or hard wire it to your PC or even easier, a Mac, for internet. There are plenty of cheap second hand 3G bluetooth phones on ebay. Vyke can be used for 1p per text.
    It would be an interesting thing to try but I would setup some kind of beaming station using foil to reflect your mobile phone's radiation out of the window if you're using it heavily in this way.

    Bests,
    Dan
  • keep_talkin
    Orange Pay as you Go
    Orange do a Pay as you Go deal where you get free stuff depending on how much you top up. Minimum £10 each month gives you:

    £5 free orange mobile homepage access
    Free calls to orange mobiles from 7pm to midnight every night
    300 free texts

    Top up £20 and you get 600 free texts. £30 top up gives you 1000 free texts.

    The free stuff is added automatically each month - if you don't top up you dont get it. Simple as. If you mainly text and don't call much this may be cheaper than many contracts!!

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by Former MSE Natasha; 15-04-2008 at 7:17 PM.
  • Nicola D
    I've just bought the 3 PAYG broadband modem it's now £69.99
    Top rates are:
    £10 = 1GB download over 30 days
    £15 = 3GB download over 30 days
    £25 = 7GB download over 30 days
    *Remember viewing a website adds to your total downloads.
  • Nicola D
    I've just bought the 3 PAYG broadband modem it's now £69.99
    Top-up rates are:
    £10 = 1GB download over 30 days
    £15 = 3GB download over 30 days
    £25 = 7GB download over 30 days
    *Remember viewing a website adds to your total downloads.
  • Nicola D
    Didn't mean to post twice.
    Sorry.
    • Skeenfleent
    • By Skeenfleent 10th Apr 08, 4:13 PM
    • 84 Posts
    • 39 Thanks
    Skeenfleent
    Orange do a Pay as you Go deal where you get free stuff depending on how much you top up. Minimum £10 each month gives you:

    £5 free orange mobile homepage access
    Free calls to orange mobiles from 7pm to midnight every night
    300 free texts

    Top up £20 and you get 600 free texts. £30 top up gives you 1000 free texts.

    The free stuff is added automatically each month - if you don't top up you dont get it. Simple as. If you mainly text and don't call much this may be cheaper than many contracts!!
    Originally posted by keep_talkin
    I tried this, getting free evening (7pm-11:59pm) mobile internet for a month. It wasn't worth the hassle - the internet was overpriced even though it was free, with most sites timing out (but to show that it wasn't the link between my mobile and Orange's network, Orange's own portal site worked reasonably well). Not impressed, and of course it's a freebie so no 'fit for purpose' or such statutory rights to get your money back... They charge a minimum charge of one minute per call (15p), even if it's a five-second call. Which is annoying if you get someone's answerphone and don't want to leave a message. £10 works out at around 66 minutes therefore, when comparing with 300 that Virgin offer. I remember Orange being one of the first to "bill by the second". (TV adverts) What is distasteful is that this stated NOWHERE in the terms and conditions on sign-up, nor is it even in the small print buried on their website at the time of checking. Obviously even they themselves consider that fact worthy of hiding carefully from their customers. ALSO, they take up to 72 hours to apply the top-up rewards (again not stated in advance), which regardless of money transfer speeds is rather rude, IMHO. If you ring them up they can apply some temporary txts or something, but it's a hassle customers don't deserve. Virgin's £10 existing customer offer is going to get a look-in from me I think!
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