Whether you drop it, lose it*, or spill coffee on it – you’re covered.
Police Mutual has partnered with Arma Karma who offer gadget insurance that’s designed to fit seamlessly into your everyday life.
Whether you’re constantly on the go with your phone, working remotely on your laptop, streaming on your tablet, or tuning out the world with your headphones, Arma Karma’s cover is built to protect the tech you depend on.
From accidental drops and spills to theft and even loss*, their insurance gives you the confidence that your essential devices are protected.
Plus, with flexible monthly coverage and a focus on simplicity, it’s insurance that works for you, not the other way around.
Smart protection for your essential tech.
*Loss cover optional, item exclusions apply.
Who are Arma Karma?
Arma Karma is a UK-based insurance provider specialising in subscription-style cover for gadgets and personal items. They’re a certified B-Corp and are committed to making a positive impact on the world, from charitable donations to re-forestation.
Arma Karma is part of the Bspoke Insurance Group Ltd, which also includes Police Mutual, so you know you’re in safe hands.
What’s included?
- Accidental damage
- Mechanical breakdown
- Theft
- Loss (exclusions apply)
- Malicious damage
- Screen damage
- Worldwide cover (exclusions apply)
- Water damage
What’s not included?
- The excess as shown on your policy wording
- Damage caused by scratching, denting or marking which affects the item’s appearance, but does not affect the performance of functionality in any way
- Any claims for accessories over £50
- Damage to your household-based gadget(s) occurring when the item is outside of your home
- Theft from any premises unless forcible or violent measures were used to gain entry or exit to such premises
- Theft when your electronic device(s), mobile phone(s), laptop, bicycle(s), personal possessions or household-based gadget(s) are left by you in the possession of a third party
- Breakdown caused by deliberate neglect of the equipment
Terms & Conditions apply, please check Arma Karma policy documents for details.
Phone & Laptop insurance bundle for only £11.49 a month.
Got a phone and a laptop? Add them both in. If they’re valued at no more than £2,500 together, you’re good to go.
Give your tech the protection it deserves.
What is Gadget Insurance and what can I cover?
Gadget Insurance is designed to cover the portable technology you use every day, such as mobile phones, tablets, laptops, smartwatches, and other electronic devices. Depending on the level of cover you choose, it can protect against accidental damage, loss, theft, breakdown, and more. For full details, refer to the Arma Karma policy documents.
Here are the gadgets that can be covered:
Phone
From £4.99 per month
Laptop & Tablet
From £4.99 per month
Headphones
From £3.99 per month
Smart Wear
From £3.99 per month
Camera Equipment
From £3.99 per month
Household Gadgets
From £3.99 per month
Important things you need to know
Police Mutual (PMGI Limited) introduces its customers to Arma Karma Limited for Gadget Insurance. If you choose to take out a policy with Arma Karma, Police Mutual will receive commission for the introduction.
Arma Karma Limited is registered in England and Wales (Company Number: 12002692). Registered Office: Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, CO4 3ZQ. Arma Karma Limited is an Appointed Representative of Innovative Risk Labs Ltd (Firm Reference Number: 609155), who are authorised and regulated by the Financial Conduct Authority. Innovative Risk Labs Ltd is registered in England and Wales (Company Number: 08529421). Registered Office: 79 Straight Bit, Flackwell Heath, Bucks, England, HP10 9NE. Arma Karma’s FCA reference number is 925873.
PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. The firm is on the Financial Services Register, registration number 114942. Registered in England & Wales No. 1073408. Registered office: Brookfield Court, Selby Road, Leeds LS25 1NB.
Both PMGI Limited and Arma Karma Limited are part of the Bspoke Group of Insurance companies.
Find out more about Gadget Insurance
The 2026 Tech Wish List: Top Gadgets Worth Protecting This Year
What’s in my Tech Travel Bag?
Oops Moments: Common Gadget Mishaps (And How to Bounce Back)
What types of gadgets can I insure?
Most portable tech is eligible, and you’ll see a full list of items when you get a quote. Some of the items eligible for cover include smartphones, laptops, tablets, e-Readers, headphones, earphones, smartwatches, fitness bands, smart rings, digital cameras, film cameras, camera lenses and accessories, action cameras (excluding drones), desktop PC’s, games consoles, portable games consoles, kitchen gadgets, sound systems and speakers.
Who are Arma Karma?
Arma Karma is a UK-based insurance provider specialising in subscription-style cover for gadgets and personal items. Police Mutual has partnered with Arma Karma who offer this gadget insurance product, giving you access to their cover to help protect the items that matter to you.
Why has Police Mutual partnered with Arma Karma?
Police Mutual has partnered with Arma Karma because they specialise in flexible gadget cover and share our values around customer care. As part of the same insurance group (Bspoke), they’re a trusted partner we’re proud to introduce.
How do I get a quote for Gadget Insurance?
You can get a quote directly through Arma Karma’s website. Just click on any of the “Get a Quote” links on this page and you’ll be taken straight there.
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