The Clove pricing does reflect a small premium over the expected SIM-free price, but that's not uncommon close to the launch of a device. For those that want to purchase the Lumia 920 outside a contract (and like the white colour) this is a good option. We do not expect SIM-free, network unlocked Nokia Lumia 920s to be commonly available in UK retail channels.
From the Clove blog:
We are pleased to announce that we will have SIM-free stock of the Nokia Lumia 920 White arriving tomorrow, priced at £433.33 (£520.00 inc VAT). This is the first stock of the Nokia Lumia 920 to arrive at Clove Technology and it will also be the first handset that we have received with LTE capability.
The Lumia 920 launched around a fortnight ago in the UK and its SIM-free availability has been somewhat up in the air since then. However, we are now due to receive stock tomorrow and have opened up orders on the Clove website.
UK operator EE (merger of T-Mobile and Orange) currently has an exclusive on the Nokia Lumia 920 in the UK. The exclusivity period will last up until at least the end of year, but may be extended further. EE is not providing unlock codes for the phone, and is unlikely to do so during the exclusive period.
UK retailer Phones 4u are also offering the Nokia Lumia 920 SIM-free, with a price tag of £459.95, but we understand the devices are locked to EE, and so can onle be used with EE, or Orange SIMs. They are, perhaps, better classed as contract-free devices. The contract-free stock can be ordered online (red, white, and black).
Phones 4u also have the Nokia Lumia 820 (SIM-free and networked unlocked) for £359.95. They also have reasonable prices on other Lumia handsets (e.g. Lumia 800 for £169.95 and Lumia 610 for £149.95). SIM-free devices can also be purchased in Phones 4u high street stores, but availability may be limited.