You don't need one if all of the final circuits are protected with 30mA RCDs or RCBOs. Conversely, if you have any final circuits which are not so protected, you need a 100 mA time-dayed ('Type S') RCD, in an insulated enclosure, prior to your consumer unit(s).
You need an RCD rated to ensure that disconnection will occur under earth fault conditions in such circumstances as disconnection times will not otherwise be met by the protective devices. This will be in most circumstances in a TT system.
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