Quick answer
Choose SIM-only when you already have a suitable phone or want a shorter commitment. Consider a handset contract when spreading phone cost matters, but separate the airtime allowance from any device repayment before comparing.
Decision checklist
- Check whether the current phone is unlocked, supported and has enough battery life for another contract period.
- Compare contract length and what happens if you want to leave early.
- Separate monthly airtime cost from any handset or device repayment where the provider shows them separately.
- Check data allowance, roaming, spend caps and premium-rate protections.
- Read annual price-rise wording and any end-of-contract notification process.
Trade-offs
SIM-only plans can be simpler if the device is already sorted, but they still need coverage and contract checks. Handset contracts may make replacement timing easier, but a lower upfront cost can come with a longer commitment or a more complex bill.
What this guide does not cover
This guide does not provide tariff tables, identify the cheapest option, rank providers, guarantee savings or advise on consumer credit. Use current provider documents before committing.
Official sources to recheck
- Ofcom new contract checklist.
- Ofcom managing mobile costs guidance.