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A timing cover and belt are not really related. However if you confused the timing cover with a time-it cover, I would guess there is more info that you aren't following. But asking questions will get you to a better understanding. Sounds like a water pump or other pulley seized, I would guess. That is why it (the belt) broke the first time. Maybe, when it broke it also broke the cover.

what belts are you talking about the ones you can see on the side of the engine? because I don't think you are talking about a timing belt because I am pretty sure Saturn uses timing chains and if you can see the belt breaking then it is most likely a drive belt (serpentine) and not the timing belt (chain) as it is covered. So is you mean the big long serpentine belt you only have to replace it but if you replace it and it keeps breaking then check your pulleys and water pump to make sure they aren bent or damaged

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Q: If long belts on a 1999 Saturn SC coupe are breaking does the 'time it' cover need to replaced?
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