Hi there , i have a honda civic 2006 diesel , its making a strange noise , been to few garages and one of them , told me that's its a chain problem and got to be changed (they just listen to the engine after that said that the chain usually need changing between80k - 100k) ,  i called honda dealership service and thinking to go and check it at them (thet said no, the chain its rare that need changing) ,  do you guys think its a good ideas , as i been told by them it will cost me about 1h labour and that's 120 , do you guys think it worth the money to be checked at them or not ? 

I would take it to another garage for a second opinion as the crankshaft pulleys, A/Cond. pulleys rattle.
Also check it is not the Dual Mass Flywheel rattling on idle, or switching the engine on/off