monthly mobile phone insurance
award-winning insurance subscription. protection for your mobile phone 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
What does a monthly mobile phone insurance subscription cost?
Our cover starts from just £2.99, but this price will depend on the cost of your item as well as the excess amount you’ve chosen.
How does the Arma Karma mobile phone 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 phone is protected!
What are the main conditions on the mobile phone insurance policy?
Your mobile must have been purchased in the UK, within the last 3 years. It must not be currently damaged, lost, or stolen.
Can I insure second hand mobile phones?
We do refurbished phone insurance, so long as it falls within its 12-month warranty provided by the retailer.
Can I insure a phone 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 reciept should you make a claim – so ask the gifter to keep this safe!
Can I cover the mobile phone 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 mobile phone insurance subscription?
Simply get in touch with us on our live chat, or email firstname.lastname@example.org and we will walk you through the process
What is the maximum number of phones I can insure under one subscription?
You can insure up to 5 items on any Arma Karma policy. The more items you add, the bigger the multi-item discount, too!
Can mobile phones 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 posession of someone not named on the policy, as this would likely end up voiding a claim.
Can I add phones to or remove them from an ongoing monthly insurance policy?
Not a problem, simply get in touch on our live chat or email email@example.com and we can amend your mobile insurance policy for you.
If I do need to make a claim, how long will it take to recieve 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.
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 is the excess if I have to make a claim?
This is dependent on the price of your item and what you choose, our excesses are £35, £75, £125, and £175.
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!
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.