Loan guard is a rip off I took out a loan in Sept 06 and in June 08 was declared permanently unfit to work . I had to go to yhe onbudsman fr help Their finding "the documents state only certain conditions are covered - epilepsy is not one of them so while Loanguard have to pay until sept of next year ( the 5 year point) since I am lucky enough to be alive that is the limit I took the loanguard out thinking if a doctor said I woukd never work again it would be paid ! I still don't know how I will make payments of 400.00 per month on a 550 pension and still pay all my other bills ! Also I informed them I would be moving out of the country and they troied to say the small print says if I do they don't pay ! To say I am dissappointed is [utting it very mildly .