Insurance claim quirie

My name iis Sibongile Xengxe id *** I opened am account at ackermans in khayelitsha mall cape town so i was ****** when I was coming from work so when i go on the store o was told hat om the contract pf my cell there os no imsuramce and ibwas not aware about that and how can i pay for a cellphone that o dont have so i need help