Our consumer expert has advised people to check their mobile phone contracts after it emerged more than one third of pay-monthly mobile phone customers are out of contract.

According to reports over the weekend, the regulator Ofcom estimates that 37 per cent of all phone users are in line for new deals. Customers should regularly check their bills and, if need be, vote with their feet and move to a new provider.

The mobile phone market is full of providers which means that prices should be competitive.

“Whilst customers are still within their contract period they have fewer choices but with nearly 4 in 10 users outside of their contract, they have the power to haggle for a better deal or move to a better deal.

What is important is that consumers find out what their mobile phone usage is as it allows you to be on the front foot when it comes to negotiating the best deal for you, not the one which a salesperson tries to push you into.

Here are Jane's top tips to get the best from your mobile phone contract


Review your current plan

Check your bill to see what you’re actually using, particularly how much data. If you’re paying for services you don’t use, downgrade to a cheaper plan. Contact your provider to what promotions or discounts are available.

Switch to a cheaper carrier

Consider switching to an MVNO (Mobile Virtual Network Operator) such as Smarty or Talk mobile. These use the same networks as major carriers but at lower prices.

Use Wi-Fi for calls and data

If you are on a contract with a fixed number of free calling minutes, use Wi-Fi calling instead of your mobile minutes. If possible, stick to Wi-Fi at home and work to reduce mobile data usage. Apps like WhatsApp or Skype can also make calls and send texts over Wi-Fi for free.

Cut out unnecessary extras

Look at your insurance deal. Many phone provider insurance is more expensive than other third party providers and you could be covered on other policies. You should also cancel unused subscriptions like paid ringtones, voicemail transcription, or premium features. If you make international calls, use apps like Skype or make cheaper international calls using telediscount.co.uk

Monitor and reduce data usage

Set data limits or alerts on your phone to avoid overage fees. Download maps, music, and videos for offline use instead of streaming on mobile data.

Consider different plans

Buy your phone outright and opt for a SIM only plan which cost far less than contract plans. Pay as you go plans could also be more cost effective depending on how much you use your mobile.

Take Advantage of Family or Group Plans. Many carriers offer discounts for multiple SIMS in the same household. If you’re on a solo plan, consider joining a family or friends’ plan to save money.

Negotiate with your provider

Pick up the phone or use the live chat to contact customer service to request a better rate. If you don’t ask you definitely won’t get. Choose the option for ‘thinking of leaving us’ to be connected to the customer retentions department who will be empowered to offer you the best plans and discounts.

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