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
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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
Great insurance company. Insuring my spectacles with them (I'm clumsy.. so 'just in case').. Price is really reasonable. Whole process was set up in less than 10 minutes. They seem very professional.
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
4.6
Excellent
345 reviews
Replied to 50% of negative reviews
Typically replies within 2 weeks
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Easy use and clear information provided.
9 April 2026
Fast It was quick and easy to use i got 3…
It was quick and easy to use i got 3 easy quotes to choose from no filling of loads of forms
3 March 2026
Solid website experience and fulfilment…
Solid website experience and fulfilment process
5 February 2026
I've bought my grandsons phones for…
I've bought my grandsons phones for Christmas and wanted insurance for any eventuality and this company provided everything I wanted at a competitive price. I also needed insurance for a laptop and with the phones all in one price. Brilliant.
21 November 2025
Didn't help with changing the insured…
Didn't help with changing the insured product.
I insured the wrong product, contacted the company via email and they didnt help me fix the issue, I tried to cancel as a consequence, they offered to help me cancel, but in the 2 following months I was charged for the insurance, until I realise and emailed them again. Thats when they send me an online form that effectively stopped my subscription. In overall bad experience.
24 September 2025
It's the way you dealt with me you were…
It's the way you dealt with me you were very perlight very helpful full i like that I would recommend anybody to u 😊
17 November 2025
Would Recommend
Claim process pretty straightforward. Good fast communication. Claim processed and item received in good time. Would recommend.
5 November 2025
Unprompted review
Great insurance company.
Great insurance company. Insuring my spectacles with them (I'm clumsy.. so 'just in case').. Price is really reasonable. Whole process was set up in less than 10 minutes. They seem very professional.
19 October 2025
EASY AND SIMPLE TO GET A QUOTE AT A…
EASY AND SIMPLE TO GET A QUOTE AT A GOOD PRICE
7 September 2025
Unprompted review
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
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