Dont mean to panic you but check it carefully. The TD5 disco of a mate of mine was doing EXACTLY the same.
Topped up the coolant, checked this and that. There was the tinyiest coolant leak so every month it needed a tiny top up but it wasnt leaking on the floor.
Finally turned out this TD5 had plastic dowels in the head and they had distorted, needed the new metal dowles and a head gasket.
Its probably not that on yours but worth checking because if the dowels have distorted they will eventually snap and then your stuffed, new TD5 head and thats £2K!