In the past the contract has always just kept going for me on the same terms. The only time service levels and thus costs have altered seems to be when ntl mpose an annual change, say for TV, or if I ask for a different bb speed.
As for the smart card. I think you are in trouble. It's esential to the STB seems to be coded to the STB so that is it. Why they can't just post a new one to you though I don't understand, no doubt some lame technology reason. Even if they could post to you, I'd still expect an admin charge for doing so, given that it's hardly their fault your littlun has kleptomanic tendencies