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I'm sure someone else will answer this before I get there. The only possible justification for requiring a fuse is that the fan is an electrical motor and if it is stopped by a fault, then the current drawn can get much higher and possibly become a fire risk. As they don't know what the supply is fused at (could be 32A) they request that you do what they should have done internally and add a 3A fuse. This high current danger is not present on the switch live as it only drives a high value resistor.I have always wondered why fusing only one of the live supplies to the fan is ok. If it needs it why not fuse both lives?
Of course the assumption is that the 3A fuse will blow rather than allow enough current to start a fire. I doubt they have tested this in practice.
In other countries where the fuse is 16A, the fans just catch fire and thousands of homes there are destroyed every year.
