There is one big difference between the Head Gasket & the Cam belt Dunny, when the cam belt goes it's either a new engine, in some circumstance to a fresh head, when the head gasket goes to some degree you can still get to your destination depending on the distance, an easy option to your Q go to a family run garage & ask them to do a System pressure test, if there is a problem with the system ( Loss of pressure) this will be noted this is done via the coolant filler neck. back to your Cam Belt if the area surrounding the cam belt cover is dry, no traces of oil etc, depending on the cars mileage, all will be fine although Rover has a bad name a belt should be changed at 55000 --- 60000 at the most, never mind what the manufacture state it's not them that's paying the bill for the repair.