Hello Shaun,
Apologies, but I’m missing the understanding of the ‘U.K. Premium’ bit.
Appreciating that you have just spent out a large sum of money on something else on the car, but I think the recommendations for cambelt changes as been clearly explained in all the earlier posts - and I think you are accepting that logic.
If you bought the car when it was 4 year old, then it wouldn’t have needed a cambelt up to that time, but it would have been ‘your responsibility’ to change it a year after you bought it. Now, after 2 years over that limit, you are still not getting it attended to, and of course, that is your choice - but moreover, it is at your ( in caps) risk. It might be worth getting an estimate for a replacement engine, so you can calculate the value of the risk you are taking here Shaun. Armed with this you might get your appetite back!
Money is money, and risking not spending is just that. It’s rather akin to saying you are going to take a risk and not insuring your house, because you have just insured your car. Might be worth thinking about not using the car until the necessary funds are available??
Apologies, Shaun, but I think there are many folks you can talk to who will know of someone who has wrecked a good engine. Any one of those affected would long for an opportunity to turn the clock back.
Anyway, enough said……
Kind regards,
Gareth.