
start your claim online
Or call: 0333 400 9048
The claims helpline is open between:
Monday – Friday 08:30 – 18:30
Saturday – 08:30 – 13:00
Sunday and bank holidays – closed
Signing up and claiming for an item that is already lost, damaged or stolen is insurance fraud.
More often than not, those caught committing this illegal act end up with a criminal conviction and a record that follows them through life.
Arma Karma use state-of-the-art technology and utilise expert partners to identify and prosecute fraudsters.
Our zero tolerance attitude towards fraud allows us to keep prices fair for true and honest customers.
Signing up and claiming for an item that is already lost, damaged or stolen is insurance fraud.
More often than not, those caught committing this illegal act end up with a criminal conviction and a record that follows them through life.
Arma Karma use state-of-the-art technology and utilise expert partners to identify and prosecute fraudsters.
Our zero tolerance attitude towards fraud allows us to keep prices fair for true and honest customers.
Please note we have an initial 14-day no claims period to keep prices low for true and honest subscribers.


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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.