Bike Insurance - Bike insurer refuses to pay out to young star

Harley Fox, aged 14 is an up and coming motocross star who has been competing for the past eight years. He is a serious presence on the track and spends much of his time travelling up and down the country competing.

Now the young lad, who is a member of the Cheshire North West Club and the Red Dragons faces heartache as thieves have stolen his beloved £5,000 bike and his insurance provider is refusing to pay out.

The bike was locked away in the shed at his Queens Drive home in Crewe, Cheshire, when thieves broke in and made off with the red Honda CRF 250 machine, along with three helmets, two pairs of motocross boots and body armour and the rest of his biking kit.

Speaking of the incident, the young Mr Fox said “I’m absolutely gutted. I’ve worked very hard at this and now it’s all been taken away.”

Mother Tess said she thought that the thieves were “the lowest of the low. Stealing off a child is about as low as you can get.”

She added that “These people have stolen off a child and left him with nothing after eight years hard work.”

Harley has won a number of trophies over the years and loves competing, but now unfortunately he will not be able to finish the season, or indeed compete at all any more, as he does not have a back up bike.

“We go to every club meeting and his points are accumulated over the season,” said his mother, “So he’s obviously lost that, too.”

To add a further blow to the events, the family were under the impression that the bike would be covered under their home and contents insurance. However, when they attempted to make a claim they were firmly informed that they were not actually covered.

Mother Tess was frustrated by the reaction she received from the insurance company, saying: “We’ve been with the insurance company for about 12 years and never claimed once and now they say we’re not covered.”

This incident surely highlights the need to check your policy thoroughly, especially if you have an expensive and important item such as Harley's motocross bike kept on the property. Alternatively individual bike insurance could be considered, even for small children's bikes.

The family are crossing their fingers that the police will find the bike and return it to them as it is a very distinctive model and has a name written on the bodywork.

Tess described the bike as having “his brother, Xenon Piggott’s, name on it because he had just recently got it off him. It’s got the number 13 on it.”

She appealed to anyone with information adding “We’re desperate to get it back because he can’t take part in the sport without it.”

The theft happened in the early hours of Tuesday morning last week. The police are interested in anyone who may have any information at all on where this young boys beloved vehicle could be.
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