monthly insurance
for your stuff
award-winning insurance subscription.
protection against damage, loss & theft
flexible cover from £1.99 a month
monthly insurance
for your stuff
award-winning insurance subscription.
protection against damage, loss & theft
award-winning insurance subscription.
protection against damage, loss & theft
flexible cover from £1.99 a month
how to start your subscription
in just a few mins ⏱
Pick 1-5 items to protect
(From phones to saxophones, choose what matters most)
Get your monthly price
(Which comes out the same day each month)
Give us a couple of details
(Address, Birthday and a few final checks)
And finally, pick a charity to support
(25% of our cut will go to them each month)
how to start your subscription
in just a few mins ⏱
Pick 1-5 items to protect
Get your monthly price
Give us a couple of details
And finally, pick a charity to support
Here are just a few benefits of the Arma Karma monthly insurance subscription:
Only protect
what you care
about
Inside,
outside,
abroad
✅ Select the things you want to keep safe and only cover the things you value.
✅Cover your stuff at home, outside and abroad with your insurance subscription.
✅ 25% of our commission on your monthly subscription fee will be donated to the charity you choose
✅No annual policy – you cancel your insurance subscription at any time.
A monthly insurance subscription is a more friendly and flexible way of getting your things covered, from headphones through to smartphones. With Arma Karma’s monthly subscription you can cancel or change your policy at any time, whether you need to add additional items or remove an item. Monthly insurance subscriptions are a great option for renters, students or anyone who requires their insurance policy to be flexible.
Here are some of the items we can protect.
What is included as standard in your monthly insurance subscriptions?
✅ Theft coverage – Being a victim of theft is bad enough without having to replace the item stolen. Luckily your policy will do that for you.
✅ Loss – Avoid that sinking feeling with loss cover. Please note that bikes, home appliances, and laptops are not covered by loss protection.
✅ Accidental damage – Drops, spills and mishaps happen. We know this, which is why we cover accidental damage with an Arma Karma insurance subscription.
✅ Mechanical breakdown – Technology has made great strides, but it’s not invincible to breakdown.
And, all this coverage applies for up to 60 days while you’re abroad.?
What does a monthly Gadget insurance subscription cost?
This depends on the price and type of your gadget, but our cover starts from as little as £1.99.
What devices can I protect with my gadget insurance subscription?
As long as it was purchased in the UK and was purchased within the last 3 years, we can cover virtually any device you'd find in the home.
How does the Arma Karma gadget insurance subscription work?
Just enter the details of your item and a little about yourself, choose your charity who we'll donate 25% of our revenue to, and sit back knowing your gadgets are protected!
What are the main conditions on the gadget insurance policy?
Your gadget must have been purchased in the UK, within the last 3 years. Second hand items must be refurbished by the manufacturer.
Can I insure second hand gadgets?
Second hand gadgets must have been purchased with at least a 12 month warranty that is currently still active
Can I insure a gadget that was bought by someone else and gifted to me?
You can! As long as the device is less than 3 years old since purchase, and you'll still need to provide a receipt should you make a claim - so ask them to keep this safe!
Can I cover the gadget of someone under 18 on an adult's policy?
That’s fine! As long as the policy holder has proof of ownership/purchase, as these are required if/when a claim is made.
How do I cancel my gadget insurance subscription?
Simply get in touch with us on our live chat, or email hello@armakarma.insure and we will walk you through the process.
Can I insure different types of gadgets under the same policy?
Yes you can! With our subscription you can add up to five items, and even get a multi-item discount on your policy.
Can gadgets with different owners be insured under the same policy?
In this instance, we would recommend each owner taking out a policy, in case an incident occurs in the possession of someone not named on the policy, as this would likely end up voiding a claim.
Can I add items to or remove them from an ongoing gadget insurance policy?
Not a problem, simply get in touch on our live chat or email hello@armakarma.insure and we can amend your policy for you.
What equipment can I insure with Arma Karma?
From musical instruments and equipment, to cameras and lenses we have you covered! If you're unsure, feel free to get in touch on our live chat or hello@armakarma.insure
I need to make a claim. What do I do?
Simple. Head over to Claims, where our expert claims team will help get everything sorted. Alternatively, please call 0333 400 9048 (local rate call) and a member of the claims team will assist you
Please be aware you'll require proof of purchase or ownership to claim. This could be a reciept, bank statement, email confirmation, etc.
If I do need to make a claim, how long will it take to receive compensation?
We do our best to get claims resolved as quickly as possible. Usually we can resolve a claim within 48 hours, however this may depend on what type of claim is being made.
What is the excess if I have to make a claim?
This is dependant on the price of your item and what you choose, our excesses are £35, £75, £125, and £175.
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Arma Karma Limited is registered in England and Wales under company number 12002692.
Arma Karma Limited is an Appointed Representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority. Firm reference number 925873.