My much-loved 2007 Vauxhall Vectra VXR estate has just suffered (according to Vauxhall franchise) 'total engine failure' at 55,000 miles. Timing chain broken, crankshaft won't turn, valves bent, etc. Quoted price for fitted exchange engine (with two-year warranty) is near £6000. Bought the car, owned by Vauxhall, at one-year-old, with 20k. Since been serviced on time (and very well) by same excellent garage.

Stupidly I had no independent warranty. But, should a 2.8 V6 highly-praised engine 'go' at a relatively small mileage without (I promise) being overtaxed in its life? Should I ask Vauxhall for some financial contribution? Or do I just put it down to bad luck and pay up - or have it rebuilt at a reputable tuning shop?