All the diesels have Cambelts ( the 1.8tdci has a chain driving the fuel pump and a belt from pumpdriving Camshaft. ) the 1.6 is 60k, 1.8 is 100K change, the 2.0 is 150K change , the new 1.6vvt petrol has a belt as well, the 1.8 and 2.0 petrol is chain.
All Cambelts should be under a cover as terminal engine damage can occur if foreign debris were to enter.
As someone else said, maybe you can see the drive belt, this is the only one that you should see, and no, that doesn`t have a cover.
Hope this helps clear things up a little.