Personally I would not expect the issue to take 5 years (even if the mileage is low) to appear if the bolts had been incorrectly torqued but has the cam belt been changed since new?
In theory I don't think a full service record should affect any claim since cam belt torque is not an item that is ever checked.
But just remember that nay claim is against the dealer who sold you the car since they and not Skoda are the organisation you have a contract with.
To say you have no chance would be a fair appraisal IMHO.
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