Can I buy an iphone in the USA and use it in the UK with an o2 sim card?

I have just been re-issued an o2 pay monthly sim card as my phone was stolen. I'm going to NYC in September and was thinking of getting a iPhone in an apple store there. Will I be able to bring it home and use it in England with my o2 sim card? Or will I need to get it unlocked? Thank you

Thank you so much. This makes a lot of my sense. As my phone was stolen too, it probably makes sense to buy it in the UK and keep the reciept as i'm claiming on insurance ... I thought I might save money by getting it in the US, but actually you're right, after all the hassle and then the problems afterwards, probably best just to stick to the home country! Thank you.
H

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