Absolute criminals avoid like the plague. Insured my i phone 17 pro max and my wifes z fold asked at start of policy if i can have just one policy daid all good. Wife lost her phone went to make claim... See more
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I needed to insure my phone before my group holiday later this year. My friend mentioned Arma Karma because of the great prices and what is included in the cover. It is hard finding insurance that is... See more
Company replied
I discovered Arma Karma through Instagram and a helpful post about Festivals. Insurance for such an event had never occurred to us. It was very easy and straightforward to get cheap reasonably price... See more
Company replied
Amazing service and price! After reading the last few reviews I was somewhat sceptical when looking to get cover for my sunglasses as they are very important to me. After speaking with the lovely cust... See more
Company replied
Company details
Written by the company
Hello. We're Arma Karma an insurtech (insurance + tech) set on doing things differently. Our mission is to bring some 'Good' to the dull and unethical world of insurance. We have designed our possession-based insurance, and the company, to stand out from the crowd, so how are we different? The answer is simple; YOU get to choose what's protected. Your items are protected anywhere at home and even abroad! Our insurance is on a subscription basis, amend and cancel anytime with no hidden fees. What's even better is that with every subscription we donate 25% of our revenue and YOU can choose which charity it goes to! To find out more head to our website: http://armakarma.insure
Contact info
United Kingdom
- hello@armakarma.insure
- armakarma.insure
4.1
Great
352 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Hasn’t replied to negative reviews
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Excellent value
21 August 2025
Unprompted review
Easy to website to use
25 July 2025
Unprompted review
Easy to set up and peace of mind…
Easy to set up and peace of mind knowing my sunglasses are in safe hands
17 July 2025
Unprompted review
Laptop insurance.
We needed laptop insurance for our daughter to be able to take her laptop to sixth form. Not many insurers let you insure devices over six months old, this insurance does which is great.
3 June 2025
All well and good until you actually try to claim…
All well and good until you actually try to claim on your insurance!!! My phone randomly died, just got hot and went black with no warning. First of all Arma made me pay THEM £50, then they told me to post my phone to them, which cost me another £10. It arrived a couple days ago but the site still says no one has started working on it yet. I tried to call them within their working hours (Sat @ 10am) and no one is there - the line just beeps. Email responses are just automatic, and the help chat is also offline. I am without a phone, I have no idea when I will get a new phone, they haven’t offered me any sort of replacement while they mess about with my current phone AND I can’t get hold of them at all!!!! I do NOT recommend this insurance, extremely poor customer service. Spent £60 just to be messed about. AVOID.
30 April 2025
Unprompted review
Reply from Arma Karma
Hi Poppy,
We’re very sorry to read your claims experience with us. After checking your case with our claims team we understand they were able to inspect your item and offer you a replacement mobile. We apologise for any difficulties you had contacting us over the bank holiday weekend as reduced operating hours were in place. Upon their return the claims team made every effort to progress your case as quickly as possible.
Like most insurances each claim is subject to an excess fee which is usually paid at the beginning of the claims process. Customers are also responsible for postage costs where necessary and ensuring that the item is packaged securely so that it can be delivered safely to our repair specialists.
If you require any further assistance, please email hello@armakarma.insure or speak with us via our live chat which is open Monday-Friday, 10-4.
Reply from Arma Karma
Thank you very much for your review! :)
Examplary company…
The website is crystal clear and simple. I like the donation site and what the company ethos is.
8 April 2025
Reply from Arma Karma
Hi there, thank you for leaving such a wonderful review! We're so pleased you like the Arma Karma website and our ethos.
As an extra thank you for becoming a new subscriber we've planted some trees just for you! Check out their location and watch them grow here: https://ecologi.com/armakarma
The website was easy to follow and very…
The website was easy to follow and very informative. The schedule came through on my email within 10mins. I am very pleased that I can pay monthly for my insurance. The insurance amount and excess is very reasonable.
31 March 2025
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your amazing review! It's so great to hear your positive feedback on our website and insurance.
As an extra thank you for becoming a new subscriber we've planted some trees just for you! Check out their location and watch them grow here: https://ecologi.com/armakarma
Definitely yes.
Very easy to navigate around the website. Easy to understand the process and very good value.
26 March 2025
Unprompted review
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your amazing review! It's amazing to hear your positive feedback on our sign-up process and we'll be feeding your comments back to the team.
As an extra thank you for becoming a new subscriber we've planted some trees just for you! Check out their location and watch them grow here: https://ecologi.com/armakarma
Easiest insurance purchase I’ve ever…
Easiest insurance purchase I’ve ever made. Very smooth customer journey
17 March 2025
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your amazing review! It's fantastic to hear your positive feedback on our sign-up process and we'll be feeding your comments back to the team.
As an extra thank you for becoming a new subscriber we've planted some trees just for you! Check out their location and watch them grow here: https://ecologi.com/armakarma
All in cover for expensive spectacles.
Wanted insurance for my very expensive new glasses and up came Arma Karma. Application process straightforward, although a little disappointed at the monthly premium, but I would hate to have to try and replace them myself
2 March 2025
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your amazing review! It's so good to hear your positive feedback on our sign-up process and we'll be feeding your comments back to the team.
As an extra thank you for becoming a new subscriber we've planted some trees just for you! Check out their location and watch them grow here: https://ecologi.com/armakarma
Good price compared to other firms.
11 February 2025
OK until you need to make a claim
OK until you need to make a claim. They will drag it on for months and In the end you will be lucky if you get a settlement appropriate for the device.
27 November 2024
Unprompted review
Reply from Arma Karma
Hi Rehan,
We're very sorry to read that your claim has taken longer than expected. After reading your review we followed up your case with our claims manager as a priority to be resolved as quickly as possible. In an update from them today all requested documentation has now been provided and your claim has been settled.
Again please accept our sincerest apologies. If you have any questions or need any further assistance please don’t hesitate to get in touch with us at any time via email at hello@armakarma.insure or via our customer live chat.
Kind regards,
The Arma Karma Team
Fine until you have to make a claim!
Fine until you have to make a claim!
My phone was damaged in MAY (it's now September) and my phone isn't any closer to being fixed.
The response time from the team is poor and it can be weeks of waiting until your receive a response. I finally got to the point where they asked me to pay my excess which I did, and then it was 3 weeks before I heard back from them. Now they want me to pay for delivery of the phone to their inspection centre instead of collecting or sending a delivery kit. Saying I'm unimpressed is an understatement
25 September 2024
Unprompted review
Reply from Arma Karma
Hi Beth,
We're saddened to read your review of your claims experience. We have extremely high standards for the levels of service that our customers receive during the claims process, and on this occasion, it appears to have fallen below the level we would usually expect. After your review was posted, we immediately contacted our claims manager to make sure your case was treated as a priority so it could be resolved as quickly as possible. After speaking with our claims team we believe that they've tried to get in contact with you via email.
So that your claim can be resolved as quickly as possible please respond to the claims team by replying to their messages or by calling our claims helpline on: 0333 400 9048
The claims helpline is open between:
Monday - Friday 8:30 - 18:30
Saturday - 8:30 - 13:00
Sunday and Bank Holidays - Closed
If you have any questions or need any further assistance please don’t hesitate to get in touch with us at any time via email at hello@armakarma.insure or via our customer live chat.
Kind regards,
The Arma Karma Team
Good claims team
16 September 2024
Unprompted review
Far better than others
16 September 2024
Unprompted review
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