Web IM Tools 
Web services that allows instant messenging via various popular networks. E.g. MSN, ICQ, AIM, Yahoo!, GTalk...
Resources
Fantastic alternative for most users. Personal favourite.
" Get in touch with your friends instantly, from right inside Gmail! It's the biggest thing to happen to Gmail, since well, Gmail. "
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Windows Live Messenger , también conocido como MSN Messenger 8.X,
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meebo.com is a website for instant messaging from absolutely anywhere. Whether you’re at home, on campus, at work, or traveling foreign lands
Specially built for GTalk. Another fantastic service that's worth checking out, especially for GTalk users.
More focused on being a mobile application than a web application. Users looking to IM using their mobiles can check this out.
MSN Web Messenger lets you talk online and in real-time with friends and family using just a web browser! Use it on any shared computer - at school, at work, at a friend's house or anywhere you can't install the MSN Messenger software.
Specially for the MSN/Windows messenger network.
Skype has online interface, which can be run without installation?