Gadget Insurance
award-winning insurance subscription.
protection against damage, loss & theft.
Arma Karma’s flexible monthly gadget insurance lets you protect your devices without having to tie yourself into an annual policy. Our subscription service means you can cover gadgets including mobile phones, laptops and games consoles without breaking the bank.
Insure your gadgets with Arma Karma
Gadget Insurance tailored to your needs
Student Gadget Insurance
Multi-gadget Insurance
Family Gadget Insurance
Travel Gadget Insurance
Gadget Insurance
award-winning insurance subscription.
protection for your gadgets
against damage, loss & theft
Arma Karma’s flexible monthly gadget insurance lets you protect your devices without having to tie yourself into an annual policy.
Our subscription service means you can cover gadgets including mobile phones, laptops and games consoles without breaking the bank.
Insure your gadgets with Arma Karma
Gadget Insurance tailored to your needs
Student Gadget Insurance
We know all about trying to make your student loan last until the next instalment (been there, done that, got the bank statements!). So it’s a good idea to make sure your gadgets are covered in case you do end up dropping your phone, or spilling coffee over your laptop.
The good news is, an Arma Karma subscription to cover your phone and laptop can start from £7.49 per month, and you can cancel at any time with no fees.
Multi-gadget Insurance
Make things easier for yourself when you insure your gadgets. With Arma Karma’s multi-gadget insurance you can cover different devices with one monthly fee.
Things like your mobile, laptop and camera can be covered against theft, loss and damage, and if you get new items or no longer have something, you can add or remove them from your policy at any time.
With no additional fees to pay if you decide to cancel altogether, this is multi-gadget cover without the hassle.
Family Gadget Insurance
Arma Karma’s monthly family gadget insurance is perfect for any family looking to cover their gadgets under one flexible agreement.
Our subscription-based cover means you can protect all your gadgets with one relatively low monthly cost, and allows you to add or remove gadgets from the cover at any time.
So if a phone fell out of a pocket while jumping off swings, it would be covered without you having to fork out for a replacement.
Travel Gadget Insurance
There’s no quicker way to put a dampener on a relaxing trip than having one of your gadgets stolen, lost or damaged. We can’t stop this from happening, but our monthly travel gadget insurance can help make sure you’re not left out of pocket.
Our flexible insurance subscription means you can protect your gadgets for as long as you need, and lets your cancel without fees when you get back home.
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
What does a monthly gadget insurance subscription cost?
This depends on the price ad 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 hellow@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.