Hi all, im new here and my situation is this and i'd really appreciate
some experienced input. Its a long story though, so i'd appreciate you
bearing with me so you get the entire situation and anything you can
contribute is greatly appreciated.
My bike was stolen October
31st, and was insured TPFT. My insurance however, claimed my insurance
claim was invalid because id brought the bike from the storage shed to
the front of house to go to work on... (i was leaving for work within 2
The steering lock and security chain was on, but my nil excess
policy apparently became an over £2000 excess because the bike wasnt
"in use" when stolen and not stored properly. I had however paid for a
years insurance so am covered untill May this year.
Now 5 months
on i've had a phonecall and dated letter saying its been recovered, gave
the officer my details and asked what I have to do now. He said i'd
have to come collect it and can expect as he LAUGHINGLY said; "A very
hefty bill" but here's where it gets complex.
The bike had been
resprayed, a cloned plate put on AND the frame number has been altered.
He also said theres a significant backstory and 2-3 people have been
arrested in relation to it. He also said it could take up to 48 hours
for the relevant paperwork to be cleared just for me to be able to take