Arma Karma
Arma Karma is an ethical insurtech (insurance + tech) set on doing things differently. Simply protect what matters to you, inside, outside & abroad. All on a monthly basis."
We don't currently rate Arma Karma in our Customer Experience Ratings.
Gadget insurance
| Accidental loss cover i | Not Covered |
|---|---|
| Mechanical breakdown cover i | |
| Maximum single-item cover limit i | £2,500.00 |
| Type of product i | Stand-Alone |
| Territorial limits restriction i | |
| Accidental damage cover i | |
| Mechanical breakdown cover replacement limit i | £1,500.00 |
| Theft Cover i | |
| Theft replacement limit i | £1,500.00 |
| Malicious damage cover i | |
| Unauthorised usage cover i | £0.00 |
| Unauthorised usage cover (E-wallet) i | £0.00 |
| Accessories cover limit i | £50.00 |
| How is the excess charged? i | Depends on the value of the gadget when bought new |
| Lowest excess i | £35.00 |
| Liquid damage excess i | £35.00 |
| Theft & loss claims excess i | £35.00 |
| Accidental damage and breakdown claims excess i | £35.00 |
| Cancellation fee i | £0.00 |
| Arrangement fee i | £0.00 |
| Additional early claims excess i | £0.00 |
| Immediate cover with no additional excess in the first 30 days of the policy i | |
| High end smartphones (>£1,000) minimum excess i | £175.00 |
| High end tablets (>£1,200) minimum excess i | £175.00 |
| High end laptops (>=£1,500) minimum excess i | £175.00 |
| High end MacBooks (>=£1,500) minimum excess i | £175.00 |
| Rapid replacement i | |
| Pro-rata refund i | |
| Claim under warranty i | |
| Replacement claims limit per Item for accidental damage/mechanical failure i | 3.00 |
| Replacement claims limit per Item for theft or loss i | 3.00 |
| Replacement warranty i | No new warranty or extension on replaced items |
| International cover limit (Days) i | 90.00 days |
| Universal gadget policy? i | |
| Family cover i | |
| Multi cover discounts i | |
| Underwriter i | Watford Insurance Company Europe Limited |
| Age of customer requirement i | 18.00 years |
| No claims period i | 14.00 days |
| Refurbished device cover i | |
| Second hand device cover i | |
| Territorial limits restriction i | Not mentioned |
| Maximum age of phones i | 36 months |
| Maximum age of gadgets eligible for cover i | 36 months |
| Smartphones i | |
| Tablets i | |
| Smart watches i | |
| Game Consoles i | |
| Headphones i | |
| Cameras i | |
| E-readers i | |
| Sat-Navs i | |
| MP3 Players i | |
| MacBooks or Laptops |