The 1.6 Zetec is not an interference motor. But that still doens't mean that damage can't happen from a belt snapping. The idea is to avoid it all together. If you are unsure of the service records for this car you can either drive it until the belt snaps and leaves you stranded in the middle of no where or you can actually take the time to have it changed now so you won't have to worry about it. If you do it yourself it is a simple job that shouldn't take more than a few hours even if you're inexperienced. Invite some friends over(one's that have automotive experience preferably) to help you with the job. Just be sure to offer free pizza and beer. You would be quite shocked as to how well that works actually lol. There are plenty of How-Tos out there and even one on here for the 2.0L Zetec which is similar to the 1.6L. Just print out what you would need to use as a reference guide, get your tools and friends and make a party of it. Also moving this to "General Technical Chat"