timing chain noise

Forum: 

hi everyone..i got a terios EL OZONE 1.3 petrol and noticed a noise from the engine that sounds like old tappets.took to a garage and was told it was the timing chain and needs replacing..the terios has only done 41670 miles but I thougt they lasted longer than that ????..could it be something else like dirty oil/oil filter or maybe something silly as the garage wants to take off the top rocker cover and charge me a small fortune ANY HELP WOULD BE GREART CHEERS