worse case could it be the head gone, crack or otherwise, thinking of selling up, wife says over her dead body and it is great with three kids but im looking for reliability and an egine cutting out just doesnt cut it

travelling on road and up hill in 3rd at about 35 40mph with foot to the floor, and the engine completely died, engine light came on and had to ditch at side of road. opened bonnet and found nothing odd, tried to start and it went first time, no warning lights nothing, travelled 40 miles , did...