Well my time has come!   Driving home tonight over a rough road surface with the window down I noticed a metallic rattle.   Got home, the rear drivers side disc guard is indeed loose. My fault as I dropped the wheel on it putting the winter wheels on late last year.   The question that still remains unanswered is whether or not the disc guard can be replaced without removing:   1) The brake disc 2) The caliper 3) The hub   Whilst loose it hasn't yet completely failed so I