Monthly Phone Insurance

An award-winning monthly insurance subscription. Protection for your mobile phone against breakdown, damage, loss & theft - with cover for 90 days abroad per year.

Mobile phone

Apple iPhone


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Why insure your phone with Arma Karma

Trying to live your best life without your phone is a nightmare not worth living. That's why we believe in providing you with the peace of mind you deserve through Arma Karma's monthly phone insurance. Having your mobile phone protected means you can carry on tackling everyday life with our wide range of breakdown, damage, loss and theft cover. Whether you are on your way to work, heading off to that dream holiday or curling up in bed to avoid socialising - your phone's protected! With our straightforward signup and affordable monthly subscription, you can keep your mobile phone safe without any hassle.

Is Arma Karma’s mobile phone insurance worth it?

Yes! Take it from our customers!

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Peace of mind for my brand new phone

Easy to use site which always makes completing forms a joy, The amount was very good to pay for peace of mind for my brand new phone. I also was able to choose an organisation to benefit from a percentage of the commission that A K receive. They were all worthy causes and not the norm.


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After buying a new phone

After buying a new phone, I spent some time looking for the best company to insure it with - It was so easy to subscribe with great cover. I really like what they stand for and how they support climate impact using my subscription to help important charities.


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Brilliant Festival Cover!

I discovered Arma Karma through Instagram and a helpful post about Festivals. Insurance for such an event had never occurred to us. It was very easy and straightforward to get cheap reasonably priced cover for our daughter's phone giving us all peace of mind.


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Pick your items

To get your monthly price select up to 5 items to insure from our 14 categories, ranging from your phone and laptop to your glasses and guitar. Get an increasing multi-item discount with every new item you add! 

Check it out yourself!

Tell us about yourself

  • Unlike other insurers we don’t use your personal details to impact your price. All we’ll need is your name, DOB, address and contact details to set up your subscription. 

A few final questions

At this stage we need to ask you some final questions, to make sure our subscription is right for you and that in the event of a claim everything can go smoothly.    

Choose your charity

  • 25% of what we make from your subscription gets donated to a charity of your choice. You can pick from: Railway Children, Rainforest Trust UK, ShelterBox & YoungMinds.  

Start your subscription

Finally, you’ll just need to provide your payment details to activate your subscription. After this is complete your cover will renew on the same day each month as a recurring card payment.  

Add to your wallet

Keep your cover close by adding it to your Apple or Google wallet and ensure it’s there when you need it most. You’ll also receive your policy documents via email shortly after signing up.  

Need to make a change?

No problem, just let us know via live chat or by emailing our customer service team and we’ll get this sorted out for you.  

Making a claim

If the worst does happen, you can register a claim for your item online or over the phone. Next provide some documentation for your item (Proof of purchase e.g., receipt) and pay your excess amount. We’ll take care of the rest.  

Do I really need mobile phone insurance?

Spilt your matcha latte on your phone? Oops. Dropped it down the stairs? Double oops. You don't have insurance? Triple oops...

With your phone by your side all the time, you might wonder "Do I really need phone insurance?". But let's be real, accidents happen! Whether you drop your phone in the toilet, lose it, or gets stolen, dealing with the aftermath can be a pain and pricy. That's where Arma Karma's flexible monthly phone insurance steps in. Our subscriptions make it simple and affordable to protect your phone, giving you peace of mind without breaking the bank. Monthly phone insurance is the smart way to shield your tech from those "oh s***" moments.

Things to know about our monthly phone insurance

With mobile phone insurance—We like to make things crystal clear. Here are a few key points to know about our cover before starting your subscription.

Proof of purchase

Having proof of purchase is crucial. This document confirms your ownership and the phone's value, which is essential for processing your claim. Proof of purchase helps verify the device's make, model, and price and ensures accurate compensation for repairs or replacements. It also simplifies the claims process, reduces delays, and supports your case in the event of a dispute.

To ensure you can make a claim if the worst were to happen, always keep your proof of purchase safe and accessible.

Device age

To ensure your phone qualifies, it needs to meet specific age and purchase criteria. Your device must have been bought in the UK within the last 24 months to guarantee it receives our protection. For second-hand phones, we require a minimum active 12-month warranty and that it was purchased within the last 24 months.

Plus, your phone must be in good condition—not lost, damaged, or stolen—at the time of insuring.

new or refurbished

When it comes to insuring both new and refurbished phones with Arma Karma, we’ve got you covered. For second-hand devices, they must have a minimum active 12-month warranty and must have been purchased within the last 24 months. Additionally, the phone model must be under 36 months old from its UK release date. By meeting these criteria, we ensure that your device—whether brand new or expertly refurbished—receives the comprehensive protection it deserves, giving you confidence and peace of mind.

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other items we can protect

Handbag and shoe

Handbag and Shoes

From £3.99 per month



From £3.99 per month



From £3.99 per month



From £3.99 per month



From £3.99 per month

Smart Watch


From £3.99 per month



From £3.99 per month

Portable Console

Games Consoles

From £3.99 per month


Headphones & Earphones

From £3.99 per month



From £4.99 per month



From £3.99 per month

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