Mr Pig said:
It's a new bike. That's the way it came. I might ask the shop about it or mail the manufacturer Genesis/Ridgback.
When I got my first (adult) road bike, I didn't think I'd get up many Yorkshire hills as a 16+ stone novice cyclist on a 42/24 bottom gear. I got the shop to change the cassette from 12-24 to 13-28 for me before I went to pick the bike up and so I ended up with a plastic disk that was too small. I thought the same might happened to you, but I'd forgotten that your new bike was a MTB. They come with massive bottom sprockets as standard, so they should have massive plastic disks to match.
Okay, I've got another idea... A factory makes both road wheels and MTB wheels. The guy running the MTB wheel machine runs out of MTB-sized plastic disks and asks his mate on the adjacent road wheel machine if he can scrounge a box of his plastic disks to save him going to the stores to get some more
.
To be honest, it shouldn't be necessary to have those disks fitted. If the rear endstops are set properly, it is virtually impossible for the chain to fall off the cassette. I took the disk off that first bike of mine. The wheels on my more expensive bikes don't have them so I think that the manufacturers assume that cheaper bikes receive poorer maintenance and fit the disks just to be safe.
Chains do fall off at the front though and you should make sure that the little peg sticking out of the big chainring is behind the righthand crank. It is there to stop the chain getting wedged down between the crank and the chainring. You can get something called a
'Dog Fang' to help prevent a similar problem if the chain falls off the smallest chainring.