Protect your gadgets

inside, outside

Monthly insurance subscription. Cancel anytime.

& abroad

Get 15% off with the code QUOTEZONE15

Protect your

inside, outside

Monthly insurance subscription. Cancel anytime.

& abroad

Get 15% off with the code QUOTEZONE15

Only protect
what you care


25% of our
commission revenue
to charity

Who are Arma Karma?

We are a UK based Insurance intermediary established in 2019, registered as an Authorised Representative under FCA firm reference number 925873, underwriting on behalf of various insurers.

What does a subscription cost?

The terms (and cost) of your policy depend on a variety of factors, but mainly what you want to insure, and the value of those items!

As an example, the average cost of a policy that covers your smartphone and your bike is £10.03, but subscriptions can start from as little as £3.99 per month. And if you need to cancel, you can at any time, with no hidden fees.

What can I protect?

Pretty much any of your possessions actually worth protecting! Common examples below.

Gadgets, including household gadgets
Sports equipment
Musical instruments

As a general rule we don’t insure items worth less than £100 or more than £1,500.

How does it work?

We have streamlined our process as much as possible. We don’t ask you what locks are on
your doors or your windows. With us simplicity is key.

Step 1 – Tell us about yourself

Step 2 – Tell us the items you want to protect, and confirm details

Step 3 – Pick your preferred charity
Peace of mind, piece of cake.

How is this different to contents insurance?

We have designed our Possession-based insurance, and the company, to stand out from the crowd:

1. Only insure the stuff you actually care about. Do you really need a contents policy giving you a blanket coverage of £20,000 pounds for everything in your house? Or do you really just want to insure your phone, telly and bike?

2. Your stuff is also covered out of the home and abroad. Many people don’t realise that with standard contents policies your stuff is often not covered outside of the home. You’re in luck though – with us, it is!

3. Your policy is a monthly subscription. Others might let you pay on a monthly basis, but usually they’re still annual policies and you’ll have to pay for the whole year, or pay a penalty to cancel. You won’t get that with us.

4. Ethics and sustainability are at the heart of everything we do. For example, 25% of our cut of every policy goes to a charity of your choosing (from a panel of four). What’s not to love?

How does insurance work?

Insurance is a promise.

In exchange for your monthly subscription (premium), after a loss/event we promise to get
things back to the way they were. For example, if you lose your phone, we want to get you a
replacement as quickly as possible.

Loss could mean theft, damage, or actual loss.
Most insurance policies last for 12 months, but with us it’s a monthly rolling contract, like
your Netflix or Amazon Prime subscriptions.
With us it’s straightforward; if you need to speak with us simply get in touch on our livechat.

And if you need to make a claim, click the Claims button at the top of the page. You’ll be
redirected to our claims team who will help get everything sorted.

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 0344 856 2171 (local rate call) and a member of the claims team will assist you

What does it cover?

Our cover protects your specified items from accidental damage and theft as standard , but please be sure to read our two page Insurance Product Information Document for all the details , available here

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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 Yourshield Ltd, which is authorised and regulated by the Financial Conduct Authority. Firm reference number 925873.