I just can't help think that they are playing on the fact that it's a foreign car with a time limit to be fixed by and they are taking advantage of this.
I know what you mean. I've just returned from a 2 month, 6,000 mile trip around Europe in my Stilo JTD. I also have European breakdown cover, but dread the thought of having to pay full dealer price for a repair if anything did go wrong. Back in the UK, you have easy access to motor factors and breakers for parts to make a repair cheaper.
If your European breakdown cover is with the AA, they should pay for hotel and/or car hire expenses while the car is being repaired. They should also pay for a new ferry or tunnel ticket if you miss your sheduled departure due to the breakdown. If you have the AA Parts and Labour extension they should also pay £500 towards the cost of the repair.
The bug was running as usual when it happened and it was a surprise that it went. Praying it's the water pump at the moment. I've not had it that long ands it only cost just over £2k so a bit galling to have to spend as much again so soon after buying it.
You don't confirm whether the engine was running hot or making any noises before it cut out. If it wasn't, then I'm more inclined to think the problem is going to be a fuel pump (assuming the garage's rather vague diagnosis of "it's the pump" is correct). I have, however,
never heard of a JTD high pressure fuel pump causing a catastrophic breakdown. Only known problem with them is wear at about 200,000 - 250,000 miles (which doesn't cause the car to suddenly cut out) or the seperately available fuel pressure sensor that's fitted to the back of the pump.
If the garage say it
is the engine mounted (high pressure) fuel pump, I would be inclined to try and get your breakdown cover company to recover you home rather than have the car repaired in France. JTD high pressure fuel pumps are often available on eBay for £100 to £150 secondhand and you would have the option of finding a local garage to fit it much cheaper than a dealer.
If you get the garage to repair the car, I would get a cast iron guarantee from them that they have made an accurate diagnosis and that it is
only the pump and associated cambelt that's needed, before you authorise the repair. Garages, (including dealers) are notorious for "diagnosis by substitution" whereby they try one part first to see if it cures the problem, then another, then another etc. if it doesn't. You end up getting the bill for all the parts and labour.
If you chose to try to get the car recovered home, bear in mind that European breakdown cover companies will only pay for repatriation providing the cost of the recovery is not more than the market value of the car.
Good luck. Let us know how you get on.