.....please excuse what is possibly a silly question here: Is there any way (that's not labour intensive!) that someone in the know could determine if the cambelt looks newish through visual inspection?
No question is 'silly', unless it's asked repeatedly without learning the answer. Far more silly is not asking about what you don't know.
You can't judge the age of a belt (either years or distance) just by looking at it, unless it is so new the ink is still on it. Our 1.6 Zetec cambelt looked fine last time I inspected it, and it's 17yrs old.
The Ford Zetec 1.6 cambelt arrangement (it only drives the cams and a tension pulley) was designed to last the life of the engine - the 10yr/100,000m change advice is merely precautionary. Time and numbers have proved it to be a good design. I suspect more damage might have been done to these engines from unnecessarily early cack-handed changes than would have occured had they been left alone.
The water pump is driven by the poly-v auxiliary belt. This also is sturdy - ours looks and sounds fine at 127,000m.
(haven't heard from skidpan for a bit....;-)
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