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You are possibly looking for something called a "Jasbeschermer", which is what the london hire bikes have on their rear wheels. I'm not sure if there's an English name for them. Good luck finding a vendor of these beasts in the UK, however.
bothwell-
Try looking for a skirt guard instead.
From this link to one: The Dutch call these Jasbeschermers - Coat Protectors. In English they are often called Skirt Guards....
http://www.dutchbikebits.com/index.php?route=product/product&product_id=76
Joe.S
Mudguards don't protect the pannier.