monthly Engagement Ring insurance

Award-winning monthly insurance for your engagement ring, wedding rings, earrings, necklaces, bracelets and so much more!

From £3.99 a month, gain protection against damage, loss & theft - with worldwide cover for 90 days abroad per year.

WHAT DOES 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.

Benefits of Engagement Ring Insurance

Your engagement ring is a symbol of your love, but at the end of the day, it's also a valuable, expensive and irreplaceable piece of jewellery. Keeping this ring protected is crucial, which is why engagement ring insurance offers so many great benefits! With Arma Karma, you can breathe easy as a new fiancé, knowing your ring is protected against damage, loss and theft. If the worst happens, ring insurance can help wipe away those tears.

HOW DOES IT 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.

Things to know about engagement ring insurance

We like to make things crystal clear when it comes to our engagement ring insurance. Here’s a few key points to know about our cover before starting your subscription.

VALUATION

Knowing the value of your engagement ring ensures the correct monthly price we give you. If you've bought your ring brand new, the price/receipt will determine the value of the ring. However, if it's an older ring, you can head to any jeweller and ask for a valuation.

HOW MUCH CAN WE COVER?

To insure your engagement ring with Arma Karma, we can cover the price up to £2,500. You can cover multiple items of jewellery in an Arma Karma subscription, as long as each jewellery is within the £2,500 price mark.

Other Jewellery

Don’t become a statistic

With recorded 347,000 thefts from the persons this year, which has risen by a staggering 40%, according to the Office for National Statistics' Crime Survey for England and Wales, protecting your engagement ring is more important than ever.[1]

Just think of the heartbreak and financial loss if your ring was stolen. Do something about it before it's too late! With Arma Karma's engagement ring insurance, you can discover true peace of mind, with protection against theft, loss and damage. So you can enjoy your newly-engaged buzz with no worries.

[1]According to data from the ONS Crime in England and Wales Police data for the year ending March 2024.