award-winning headphone insurance subscription.
protection against damage, loss & theft
flexible cover from £3.49 a month
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)
what you care
25% of our
Who are Arma Karma?
We are an award winning UK based Insurance intermediary established in 2019, registered as an Authorised Representative under FCA firm reference number 925873, underwriting on behalf of various “A” rated insurers.
What does a monthly insurance 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 £700 smartphone and £400 bike is £8.99, but subscriptions can start from as little as £1.99 per month. And if you need to cancel, you can at any time, with no hidden fees.
What can I protect with my subscription?
Pretty much any of your possessions actually worth protecting! Common examples below.
Gadgets, including household gadgets
As a general rule we don’t insure items worth less than £100 or more than £1,500.
How does an Arma Karma subscription 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 the items you want to protect, and confirm details
Step 2 – Tell us about yourself
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 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.
What does the insurance subscription cover?
Our cover protects your specified items from accidental damage, theft and loss (excl bikes, household based gadgets and laptops) as standard , but please be sure to read our two page Insurance Product Information Document for all the details , available here
What is the excess if I have to make a claim?
This is dependant on the price of your item and which excess you choose. Our excesses are £35, £75, £125, and £175
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. Ususally we can resolve a claim within 48 hours, however this may depend on what type of claim is being made.
Can I trust you?
Absolutely! We may not fit the typical old insurance look, but we have all the same protections and accountability measures in place. As an insurance intermediary we are held to account by the Financial Conduct Authority and can be found on their online searchable register. We are supported by “A” rated insurers, which means we have the highest quality insurance partner backing.
More importantly, we actively ask for reviews from our existing customer base which will give you the clearest picture of how we treat our subscribers and how their subscriptions are working for them!
Do I still need to insure my headphones if I already have a manufacturer's warranty?
Yes! The warranty doesn’t cover theft, loss, or accidental damage, but we do.
Will be my headphones be covered abroad?
Absolutely! With our cover your items are protected abroad for up to 60 days a year.
What happens if I damage my headphones?
Simply get in touch with our claims team! 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
Will my headphones be covered against water damage?
Yes, all items are covered against liquid damage with our subscription.
If my headphones are stolen, will I receive compensation?
We will always try to replace your item with a like for like item as quickly as possible.
If I bought my headphones at sale price, am I covered for the full value?
Yes the value of the item is fully covered. Make sure to enter the item value at point of purchase, not the discounted price.
Does my cover start instantly from taking out a monthly insurance subscription?
Your subscription begins from the day you make your first payment, but like most insurers we have a 14 day cooling off period in which we can’t accept any claims. You are able to cancel during this period for any reason with a full refund.
Can I insure my headphones if I received them as a gift?
You can! As long as the earphones are less than 2 years old since purchase, and you’ll still need to provide a reciept should you make a claim – so ask the gifter to keep this safe.
How do I make a claim for my headphones?
To get in touch with our claims team, 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
What is the excess if I have to make a claim for my headphones?
This is dependant on the price of your earphones and what you choose, our excesses are £35, £75, £125, and £175.
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.