Has your TD5 been re-mapped?
The TD5 clutches are not designed to be able to take much additional torque over the strandard delivery (why should they!?). If its a standrad engine, you dont do much towing and the pedal is adjusted correctly it should go for a long while... If this is your case then Id suggest its probably a case of easy money for the garage...
However, if its remapped and delivering significantly more torque than standard and you do a lot of heavy towing, it will eat the clutch relitavely quickly. In this case, Rakeway (in the UK) make some excellent TD5 HD clutches that are designed for high-torque applications and at the same time do away with the Dual Mass flywheel. They chatter a bit at tickover but you'll never need another clutch!
Either way, watch it and change it at the first hint of any slippage. That way you'll more than likely be able to get away with only changing the clutch plate and bearing assembly, rather than needing to change the DMF also.
Hope that helps.
Jon

