yes you need to act fast. if you belt goes it could cost anywhere from 700 2 1000 to get fixed. 50'000 miles or five years which ever comes sooner. if you do a cambelt replacement it will cost no more than200.00 max this will also include a new water pump as they work together so whilst your engine is in bits they advise u 2 replace the water pump. as i did with my 406 hdi 110
peter- k
December 2007