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 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
Laptop & Tablet
Headphones
Smart Wear
Camera Equipment
Household Gadgets
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 (company number 12002692) is authorised and regulated by the Financial Conduct Authority, FCA registration 925873 as an appointed representative of Innovative Risk Labs Ltd. Registered address: Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, CO4 3ZQ. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, FCA Registration 609155. Registered address: 79 Straight Bit, Flackwell Heath, Bucks, England, HP10 9NE.
PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 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
What’s in my Tech Travel Bag?
Oops Moments: Common Gadget Mishaps (And How to Bounce Back)
New Phone, Who’s This? What to do After Your Upgrade
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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