no insurance

[Tee1]

I have a contract phone with o2 and got the ZFOLD3, i lost the phone and did not realise that i had no insurance for a replacement. When i contacted o2 they told me that they would not send me a new phone because my insurance did not cover lost or stolen. I asked them if i could get a new phone and add extra onto my bill to continue my contract instead of paying a massive contract fee for a phone that i do not have. i iam happy to pay a little extra to get a new zfold3 but if i cant get a new phone then i will be paying for just a sim card. is there any way someone could advise me or direct me to being able to get a new phone and keeping the same contract that i have as i dont want to keep paying a bill for something i do not have and o2 will not replace my phone because of the small print within the insurance.

[Enlli]

The only thing I can advise is sourcing a replacement elsewhere.

Have you check if you are covered by house insurance or through the likes of your bank?