tremearne:
I understand that all phones from the carphone warehouse are unlocked. So you could just buy the cheapest phone they sell to keep you going. Also don' throw away your washed phone we have had two get very wet and dried them out in the airing cupboard for a few days and they were fine. My husband has a Nokia N95 and that has been fine.
This is a good suggestion. Sister dropped her phone down the toilet on holiday and it is now fine (except for the ruined battery). Just take it apart as much as you can and leave the parts in a warm place so the water can evaporate away.