Terms And Conditions

These legal terms (English law) are between the customer (You/Your) and Arma Karma Limited (Arma Karma/Us/We/Our) when you use our services, which includes our website (https://armakarma.insure) or purchase possessions insurance or any product from us. 

By agreeing to these Terms and Conditions you also agree to our Privacy Policy.

Who are Arma Karma?

Arma Karma are an Insurtech (Insurance + Tech), set on transforming insurance – for good. Our subscription protects the specific possessions that matter to you inside, outside, and abroad.

We are an insurance intermediary, which means we operate somewhat like an insurance broker. After you buy a policy with us, we help you manage your policy and make any necessary changes. However, we do not decide on the outcome of your claim, this is done by the supporting insurer behind the scenes. Like most brokers, we are compensated when you buy insurance from us, this is called our commission, it’s a percentage of what you pay. When you buy a policy from us, this is always immediately sent to you via email.

Our insurance contracts are currently underwritten by, but not limited to, Watford Insurance Company Europe Limited, the specific terms are outlined in your policy documentation you receive after buying insurance from us.

Some important information about our company:

  • We are Arma Karma Limited
  • We are registered in England and Wales under company number 12002692
  • Our registered office and trading address is Innovation Centre, Boundary Road, Colchester, CO4 3ZQ
  • 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.

Using our service

By using this website, you accept and agree to these terms. If you do not agree, unfortunately, you shouldn’t use our services. None of the information we provide should be considered as advice in relation to insurance or your specific circumstances. The content within our service is for your general information and use only. It changes often, usually without any notice. We like improving things quickly.

We provide a monthly subscription service for insurance, and we take payments on a monthly basis through Continuous Payment Authority (meaning we charge your card once a month, unless you or we cancel). By buying an insurance policy with Arma Karma, you confirm that you are aware of this, and that you give us your permission to take payments as and when they’re due.

If you want to cancel your insurance, you can email us at [email protected] or through our livechat. To make a claim, please follow the link on our website at https://armakarma.insure.

The conditions around your claim or what changes you can make and whether you’re entitled to cancellation or a refund are in your policy document that you will have received by email after you opened your subscription.

By buying an insurance policy with Arma Karma, you confirm that you: are over the age of 18, and live in the United Kingdom. Our insurance services are only for users in the United Kingdom.

Your information

Please be honest with Arma Karma, it’s really important that you ensure that all the information you provide is accurate and correct.

If the information provided by you is not complete and accurate, the insurer or we may have the right to cancel your policy, refuse to pay any claim or may have to change the premium you pay. If you need to update us with any new information you should email us at [email protected] or get in touch via our live chat.


We’re committed to providing the best service to you and pride ourselves on this. If you do not feel we have delivered this, we always welcome the opportunity to try to put things right for you.

Most complaints will be resolved within three business days.

The best way to get in touch with us for a complaint is by email at [email protected], this helps keep a permanent trail of conversation for you. Alternatively, you could get in touch via our live chat. If your complaint is about a claim we will refer you to our partner that handles our claims.

If you’re still not happy you can refer your complaint to the Financial Ombudsman Service. For more details, you can visit their website at www.financial-ombudsman.org.uk.

Suspending or ending our service

Hopefully, you never want to, but if you want us to suspend your subscription at any time, please get in touch via email at [email protected] or through our live chat.

We may from time to time temporarily suspend our services for repair or maintenance in order to update or upgrade features or content. We’ll try to tell you whenever this is happening.

If you have breached these terms, we may take action as we see appropriate. This may include us issuing a warning, suspending or cancelling your subscription, or even legal proceedings.

Limitation of our liability

This may sound a bit strange, but there are certain things we won’t be liable for; we need to do this to protect ourselves. We will not be liable to any user for any loss or damage if our site is unusable completely or in-part for any period of time.

Our website is for domestic and private use only. We will not be liable to you for loss of profits, business, business interruption or loss of business opportunity.

We have taken every reasonable step to ensure that the information we provide is accurate and up-to-date. However, we cannot accept any liability for any errors or omissions or reliance on any content displayed.

We cannot be responsible for any actions taken with our information; this includes policy documents, cover summaries and the ability to search your policy. You are ultimately responsible for ensuring you understand your cover.

We will not be liable for any loss or damage caused by a virus or other harmful material that may infect your computer or phone from your use of our site or if you download any content.

We assume no responsibility for the content of websites we provide links to. Such links should not be interpreted as an endorsement by us of those linked websites.

The website or our social media pages may contain information uploaded by other users of the site. This information has not been moderated by us and the views expressed by other users does not represent our views.

You agree that the courts of England will have exclusive jurisdiction for any dispute in relation to use of this website.


Please don’t steal our stuff or try to pretend to be Arma Karma. Our website contains material which is owned by or licensed to us. This material includes things like the design, content, layout and look. All rights are reserved.

Reproduction is prohibited other than for your personal use or to draw the attention of others to content on our site. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. We may withdraw our linking permission at any time.

Permitted insurance related business

There are certain things we can and can’t do when it comes to insurance, officially this is referred to as our permitted business, listed in all their regulatory glory below:

  • Assisting in the administration and performance of a contract of insurance (article 39A (Assisting in the administration and performance of a contract of insurance)) 
  • Agreeing to carry on any of the above regulated activities (article 64 (Agreeing to carry on specified types of activity))

Refunds and cancellations

If the cover does not suit you or you don’t need it anymore, you can cancel your Arma Karma policy at any time. You must give Arma Karma at least 4 working days’ notice (excluding bank holidays) before payment is taken. You can cancel easily by contacting us at [email protected].

There are special terms around cancellation when you first buy a policy. This is called the “cooling off period” and it applies to the first 14 days. This means that if you cancel within 14 days of the date that you first purchased a policy with Arma Karma (your first subscription period), then you will be refunded with any money that you have already paid– as long as you have not made a claim.

Updating these terms

We may update these terms of use at any time by updating this page. The updated terms will be effective from the date they are posted. We will always aim to notify you of important changes to any terms of use. If you don’t agree with these changes, you can let us know and we’ll close your account.

© Arma Karma Limited (v3.0 Last updated: 22nd June 2022)

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