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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Great price and easy options
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 easy to sign up to and understand but it was really straightforward. Once I move into my new Uni accommodation later this year, I will definitely consider adding more stuff to my subscription.
June 11, 2023
Reply from Arma Karma
Hi Ross, thank you for taking the time to leave us your amazing feedback. We're not just for Christmas but for summer holidays and university too! We definitely want to know who your legend of a friend is to say thanks for the recommendation. To say thanks to you for becoming a new subscriber we've planted some tree's in our forest. Check out their location and watch them grow here:https://ecologi.com/armakarma
Amazing service and price
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 customer service agent Gray. They took the time to expertly answer my questions on the policy cover and claims info as well as guiding me through the sign up process. I was extremely pleased to see such a low price for monthly cover. It's certainly not something I've considered before but if all goes well I might add other things to my policy in the future.
June 11, 2023
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your wonderful review! It's fantastic to hear that our customer service team was able to assist with all of your questions and provide more details on the claims process. We will be sharing your feedback directly with the team. As an extra thank you, we have planted trees just for you. Check out their location and watch them grow here: https://ecologi.com/armakarma
It was easy to sign up but it would be…
It was easy to sign up but it would be helpful to have the stipulations of setting up a policy explained better
June 8, 2023
Reply from Arma Karma
Hi Miles, thank you for taking the time to leave us your feedback! It's fantastic to hear that signing up was nice and easy for you but we are always looking for ways to improve. We've asked for a member of the team to contact you to find out more about your experience. As an extra thank you for becoming a new subscriber, we've planted trees just for you. Checkout their location and watch them grow here: https://ecologi.com/armakarma
Finally an insurance company that cares
Finally an insurance company that cares. Not only are they a B Corp, but their customer service team are super helpful and walk you through anything you are unsure on. Would without a doubt recommend to friends and family, and will be a customer for a long time. Thank you Arma Karma!
June 7, 2023
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your fantastic review. We will pass on your wonderful feedback to our customer service team too! We're so excited to have you as a new subscriber we will be planting tree's just for you so please look out for yours soon. Check out the trees location and watch them grow here: https://ecologi.com/armakarma.
Rats have more integrity
Don't know how this company is getting great reviews, tried to put a claim in took my money instantly of course, how they have the nerve to not mention they work with the underwriter " Davis group limited " reviews speak for themselves. Absolutely pathetic vile staff members who can't even spell manners. They will do anything to avoid paying out. Sure Arma Karma will write some generic crap underneath " we will contact you via mail " save your breath you parasites.
EDIT: I find your response pitiful. This "claim" of abusive language is a good way to try and discredit my experience with you. No abusive language was mentioned. The way you have spoke and treated me most definitely deserved/warranted some foul language but none was given, so stop lying you pathetic liar! I was bombarded with 20 questions and it felt like an interrogation. All for a £35 claim. I got my claim timescales wrong by a few measley hours but that's quickly classed as fraudulent and your time to shine kicked in. Thanks for giving me my own money back you say it like you're doing me a favour. Avoid these sly sly people.
June 6, 2023
Unprompted review
Reply from Arma Karma
Hello Nathan,
As part of our zero tolerance policy we do not tolerate abusive language towards our staff members. We have a 14-day no claims period to help keep prices fair for true and honest subscribers which we ensure is clearly highlighted within the sign up process. On this basis we were unable to accept your claim and so immediately refunded your excess payment back to you. If you wish to speak with us further on this matter please contact our customer service team by emailing: hello@armakarma.insure.
The Arma Karma Team
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your amazing review! We're so happy that signing up was quick and easy for you. If you need anything else we will be right here to help. We still plant tree's for every review so please look out for yours soon. Check out the trees location and watch them grow here: https://ecologi.com/armakarma.
HIDDEN COSTS ONTOP OF YOUR EXCESS! DON’T WASTE YOUR MONEY
Claimed today for damaged headphones and paid the excess, only to then find out I have to cover the postage for the damaged item to be sent to them to be repaired. No mention of this at all in the policy. If I had of lost the headphones then the lady on the phone agreed they would have just paid for the replacement. DO NOT WASTE YOUR MONEY !
UPDATE 1/6/23 @ 12:55 - As requested I have sent all evidence via email and await a response.
UPDATAE 1/6/23 @ 14:53 - Apparently there’s been a lack of training and although you do have to pay for the postage, it’s refunded to you when repair is complete. We shall see
June 1, 2023
Unprompted review
Reply from Arma Karma
Hi Ben,
We're very sorry to hear about your recent claims experience. It seems that there might have been a miscommunication by one of our claims team members. We have followed up via email, however we wanted to clarify that in every case all postage is reimbursed upon completion of the claim.
If you have any further queries or concerns please reply to our email or you can speak with us directly via our website live chat Mon-Fri,10-4.
Kind regards,
The Arma Karma Team
Reply from Arma Karma
Hi Liviu, thank you for taking the time to leave us your incredible feedback! Both you and your friend clearly have excellent taste for getting your items protected. As an extra thank you for becoming a new subscriber we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=6453ac1879d3b2b09ea8fb33
Quick and easy
May 2, 2023
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your fantastic review! We always love to hear that your sign-up was quick and easy. As an extra thank you for becoming a new subscriber we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=6453abf179d3b2b09ea8fb1d
Sign up process very easy…
Sign up process very easy and user friendly. Good price too.
April 30, 2023
Reply from Arma Karma
Hi Harry, thank you for taking the time to leave us your amazing review! It's fabulous to have you onboard covering your items. As a new subscriber we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=6453abdb79d3b2b09ea8fb14
Very easy to fill in form & value for…
Very easy to fill in form & value for money policy
April 16, 2023
Reply from Arma Karma
Hi Graham, thank you for taking the time to leave us your fantastic feedback! If you need any assistance with your cover we will be right here help. As an extra thank you for becoming a new subscriber we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=643e4ee3db2126bd06103779
Reply from Arma Karma
Hi Abbie, thank you for taking the time to leave us your wonderful review! We're happy to hear that it was easy to get signed up for your cover. As an extra thank you for becoming a new subscriber we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=643e4eb8db2126bd06103774
Fantastic deal
I just purchased a policy for my new laptop, was so easy and quick to do. The price was fantastic as well as the level of cover acquired.
I just hope in the event of making a claim its just as easy because all companies have things like "great customer service etc" but hardly ever about the after purchase services eg. a claim
April 16, 2023
Unprompted review
Reply from Arma Karma
Hi Jordan, thank you for taking the time to leave us your fantastic review! We're so glad to hear that your sign up process was quick, easy and you're happy with the level of cover. If you do need anything we will be right here to help. As an extra thank you we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=643e4e52db2126bd06103759
Quick easy and understandable
April 13, 2023
Reply from Arma Karma
Hi Stephen, thank you for taking the time to leave us your amazing feedback! It's great to hear that signing up for cover was quick and easy. If you do have any questions about your subscription we will be here to help. As an extra thank you for becoming a new subscriber we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=6439403ef893adeb1d28afa2
Very easy process to sign up and very…
Very easy process to sign up and very great offer to cover a gift.
Thank you.
Reply: wow I am honoured, what a great impact! Planting 25 trees is amazing.
April 10, 2023
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your fantastic review! We're so glad to hear that your sign-up was easy and that you've got protection for your items. As an extra thank you, for becoming a new subscriber we've planted 25 trees just for you. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=64393ffcf893adeb1d28af2e
Shockingly Poor Claims Process
Update:
2 months later I have finally had a response from a formal complaint about the lack of communication and the extraordinary length of time to be dealt with.
Result = complaint upheld and £100 compensation offered. However, the claim is still ongoing. I have been in 'underwriting' for over 4 weeks now.
So the complaint process is quicker to conclude than the claim process - i'm incredulous!
Shocking claims process - outsources to Davies-Group who do not respond to emails, who do not communicate. I have even registered a formal complaint - complete radio silence. Urban Jungle need to change their outsource partner - its is damaging your brand and reputation!
February 24, 2023
Unprompted review
Reply from Arma Karma
Hi Nick,
We're very sorry to hear you have been unhappy with your claims experience. So that we are able to investigate this further we have contacted you separately on this matter via email. We hope to resolve this for you as quickly as possible.
- The Arma Karma Team
Good discount on insurance
March 28, 2023
Reply from Arma Karma
Hi Imran, thank you for taking the time to leave us your fantastic review! We're glad to hear that our cover prices were what you where expecting and that you've protected your items with us. As an extra thank you for becoming a new subscriber, we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=64243e5d4fe58180379c0b31
Wanted to.v cover took 5 minutes and…
Wanted to.v cover took 5 minutes and really good quote.
March 26, 2023
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your incredible review! We're so glad to hear that your sign-up process was quick and easy and that you were happy with our quote too. As an extra thank you for becoming a new subscriber, we've planted 25 trees just for you. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=64243e3d4fe58180379c0b29
Highly recommended
Read the reviews, good, and a good price,. Easy to purchase, policy came within 30min.
March 19, 2023
Reply from Arma Karma
Hi there, thank you for taking the time to leave us your incredible review! It's great to read that you checked our Trustpilot reviews before buying and that its so far so good. If you do need any assistance we will be right here to help. As an extra thank you we've planted 25 trees just for you. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=64182d1c8133be58e7c89282
Best price for refurbished mobile phone…
Best price for refurbished mobile phone insurance. Accessible website and smooth process. Ethical company with percentage of sales used to support nominated charitable causes
March 14, 2023
Reply from Arma Karma
Hi Beverley, thank you so much for taking the time to leave us your fantastic review! We love your passion for both refurbished devices and our charity causes so its a great match. As an extra thank you we've planted 25 trees in your name. Check out their location and watch them grow here: https://ecologi.com/armakarma?tileId=64182cf68133be58e7c89271
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.