Thanks all for the suggestions.
I can't see the Xcover 3 in the UK. The 5MP camera is a limitation for this if I could find it.
Funding - I'm happy to buy outright or get a contract. Whatever is cheapest over 2+ years. We are tied to Vodafone in the UK due to signal issues at home. (I have two femto cells from work on Vodafone). So it would be a Vodafone contract or an unlocked phone + a £10/month contract.