The timing chain stretches from 80,000 kilometres, and the cause is the exhaust-side chain tensioner: it is undersized and does not hold the chain properly. Short city use speeds the process up.
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The symptom is a rattle on a cold start. The stretched chain makes the timing slip, and if the chain jumps, the valves and the pistons meet.
What to check
- Start it from cold and listen to the first seconds: a rattle points at the chain
- Check whether the noise stays when warm: a chain fault does not fade with warming
- Ask what kind of journeys it did: short city use speeds up the wear