Complete and utter waste of money and time. Tried to claim on a second hand van I purchased. Only had the van 4 weeks when the power steering failed. I was told by Autoguard to take it in to a local VAT registered garage who where to report to Autoguard the nature of the fault which they duly did, informing Autoguard that a new power steering pump was required. Autoguard informed the garage that they wouldn't cover the replacement pump as it hadn't "fell off" even though all power steering fluid had leaked out due to the fault. Save your money and steer well clear as they will most probably try to wriggle out of any subsequent claim anyone makes. To me its just a way of squeezing money out of people with no intention of honouring legitmate claims.