My main SIM (I have a dual-SIM phone) is on a contract and uses the Vodafone network; I want to get a second (back-up) PAYG SIM for emergency use on those occasions when I'm out of Vodafone coverage. I wish it was easy to get a multi-network SIM which just "worked" on whichever network was available, but they seem to be rare and expensive. I'm therefore looking for a PAYG SIM which doesn't use Vodafone, which doesn't expire (or has a long period before it does expire), and which (ideally) doesn't require a contract. Any recommendations?
Secondary question: my car has a built-in SIM which seems to be able to phone home (its "home") from anywhere so, presumably, it works on all networks. How is that possible or affordable?