Arma Karma review

Discover what this insurance seller offers and whether we rate it as a good company to protect your gadgets.

There are many providers of contents insurance, but not many are like Arma Karma. The provider markets itself as ethical and revolutionary with its subscription policy, on-the-go cover and donations to charity.

Who is Arma Karma?

Arma Karma is a UK contents insurance company founded in 2019 with an ethical twist. After signing up for its monthly subscription service, which will insure your gadgets and other valuables, 25% of Arma Karma’s revenue will go to any of the following charities: Railway Children, Rainforest Trust UK, ShelterBox or YoungMinds for the time being.

Types of cover available

Instead of a yearly sum, Arma Karma offers a monthly subscription for as little as £1.99. The terms and cost of your policy depend on what you want to insure (the more expensive the items are, the more the monthly payment).

For example, the average cost of a policy that covers a £700 smartphone and a £400 bike is £8.99. You get accidental damage, screen and loss cover, as well as theft. Plus, you get 60 days’ cover abroad as standard.

You can cancel the policy at any time, with no hidden fees.

What are the cover limits?

Arma Karma doesn’t insure items worth less than £100 or more than £1,500. You can pick between 1 and 5 items to cover. Loss cover is not available for laptops, bicycles or household-based gadgets.

What is my excess?

Your excess is the amount of money you will need to pay towards a claim. It depends on the price of your item and which excess you choose. Arma Karma’s excesses are £35, £75, £125 and £175.

What is the claims process?

It’s quite simple. You can call the claims helpline (0333 400 9048) during the week from 8:30am to 6:30pm or on Saturday from 8:30am to 1pm. Claims are usually resolved in 48 hours, but this varies depending on the type of claim made.

Managing your policy online

The whole process is automatic as your payment is taken as a direct debit. Your cover starts and ends on the dates stated in your policy documents. You can cancel the contract at any time (within 14 days you can get a full refund providing no claims have been made or are pending.)

Arma Karma customer reviews

Arma Karma is relatively new to the contents cover sector but already has some excellent reviews on Trustpilot (4.7). Many are happy with the low monthly subscription which can be cancelled at any time. The incentive of donating to charity is a plus for some too.


  • Monthly subscription service
  • Cover offered in the home, out of the home and abroad as standard
  • 25% of your fee goes to a charity of your choice
  • Easy-to-navigate website
  • Can cancel policy without fees
  • Live chat helper


  • Doesn’t cover items worth over £1,500
  • Items can’t be over 3 years old
  • Items can’t have been bought off an auction site (e.g. eBay)
  • Can only insure 5 items under 1 subscription


Arma Karma seeks to remove the dullness from contents insurance. The green-laden website is smooth to use, as is learning about the monthly subscription service. The benefits of affordability, flexibility and comprehensive cover are plain to see. Its altruistic side shines with the charity donation concept. We tried chatting to them and the team was quick to respond. We just wish one policy covered more items and those of a higher value.

Frequently asked questions

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