@LubicaYou cant combine the two, you have 2 options
(I would also look to see if you can claim on household insurance for the lost phone)
1. Pay off the current handset and upgrade
2. Buy a handset sim free from Amazon etc
I wouldnt recommend taking out a new contract,as you will still be paying for the lost handset.
- Xperia 1V - o2 and Spusu
- Pixel 8 Pro - o2 and Vodafone UK