Monthly Gadget insurance

Award-winning gadget insurance for your phone, tablet, laptop, smartwatch, headphones and so much more!

With protection against breakdown, damage, loss & theft - with worldwide cover.

Our popular gadgets

Arma Karma's gadget insurance protects your devices like phones, laptops, tablets, smartwatches, headphones, earphones, cameras, game consoles, home sound systems and so much more!

Headphones & Earphones

WHAT CAN ARMA KARMA INSURANCE COVER?

Protecting your stuff has never been easier! Our flexible subscriptions give complete peace of mind, ensuring your belongings are protected where ever you go! Inside, outside and abroad.

What is Gadget Insurance?

Gadget insurance is cover designed to protect your most important tech. Insurance provides financial protection against a wide range of day-ruining and bank-breaking situations—like mechanical breakdown, damage, loss and theft. Instead of facing the hefty cost of replacing your device at full price, gadget insurance steps in to cover those unexpected expenses.

With an Arma Karma subscription, you can protect multiple gadgets and other items with an increasing multi-item discount. This offer allows you to protect all your most important items while enjoying significant savings!

Is Arma Karma’s mobile phone insurance worth it?

Yes! Take it from our customers!

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.

Jane

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.

Olly

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.

Suzi

HOW DOES Arma Karma's GADGET INSURANCE WORK?

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.

Is Gadget Insurance worth it?

Well, ask yourself, if your device were stolen, damaged or lost would you be able to afford to replace it? If the answer is no, then gadget insurance is definitely a need. Arma Karma's gadget insurance starts from £3.99 a month, with cover against breakdown, damage, loss and theft.

Wouldn't contents insurance cover my gadgets? Contents insurance does have its limitations—and your device might not even be covered outside of your home! So if you were on your way to work, and your phone got nicked, your contents insurance might not be able to cover the claim.

However, with Arma Karma, your devices are protected inside, outside and abroad! So, going on holiday this summer? Backpacking through Europe? Our gadget insurance offers worldwide coverage — helping you create more peace of mind while travelling the world!

Things to know about our gadget insurance

Before starting your gadget insurance subscription with us - here's a few things to know!

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.