Lost iPhone

I am sorry that your iPhone got lost. Please see this link and follow the instructions on what to do

If your iPhone, iPad or iPod touch is lost or stolen – Apple Support (UK)

if you have insurance, you have to file a claim at the company that you insured your iPhone with

They to.d me I had to go online and do this

"They" should have directed to the online site linked below. Click this link.

iPhone Theft and Loss Claims - Official Apple SupportOfficial Apple Support › iPhone