BIBA Computer Scheme

• Enhanced computer product
  
• Access our product via the HSB Fast Track or Acturis e-trade platforms
• Environmental hardware replacement clause, exclusively for BIBA members
  

• Enhanced commission for BIBA members
• Product training provided as required
• Access to specialist claims handling team

• 'Hardware' cover provides insurance for installed and portable computer equipment.
• Electronic office equipment can be automatically included under 'Hardware'. For example, photocopiers; video, audio conferencing and projection equipment; and associated software and programs.
  
• Extra hardware is automatically covered up to maximum £1,000,000, during the annual period of insurance, or £500,000 to include any hardware at any new premises owned, leased or occupied by you within the territorial limits should the insured accidently forget to inform us.
• Full theft cover – no forcible and violent entry/exit condition.
• Low policy excesses (£150) and nil for damage caused by fire, lightning, explosion, aircraft and theft. Only £50 excess for mobile telephones and smartphones.
• All risks, including breakdown coverage.
• Fire Brigade charges are covered under the policy up to £100,000 each occurrence.
• Anti-theft devices are covered for repair and replacement up to £25,000.
• Reward for hardware that is successfully recovered up to £10,000.
• Replacement of damaged hardware with more environmental, safer and more efficient hardware (10% of the new replacement cost or 10% sum insured).

Computer equipment defined: What's covered?