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I had £500 three months insurance cover for my car. A few days before it expired whilst driving along in a 30 mph zone. there was a bag from the engine and it came to a stop. I had the car recovered to my local garage and I gave the garage the insurance cover details. The garage contacted Autoguard, who gave them the go ahead to carry out an investigation to the engine. It turned out that a valve had dropped into cylinder number 4 and wrecked the engine. Autoguard gave the garage authority to remove and replace the wrecked engine with a replacement. I received the full £500 from Autoguard by cheque a week later. I can only state that by letting the garage carry out the correct enquiries with the insurance company themselves resulted in the correct result. I can recommend Autoguard and my local garage. J & M Auto Services, Chestnut Avenue, Spalding, Lincs. 100%