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Hiya, your best bet is to call Vodafone as soon as possible from somewhere to prevent unauthorised usage from your phone, as without insurance you would be liable for the call charges up until that point.
They can then bar your sim and blacklist your handset, without insurance you would be looking at whether maybe your home or bank insurance would cover it ?
If you have not already called Vodafone to get the SIM barred, you must do this as soon as possible, you will be liable for all calls until Vodafone have been informed of the loss.
If you do not have insurance for loss or theft, any replacement will be at your own cost. Vodafone would have already provided you with a subsidised phone and would not have even recovered the cost.
