Fair enough. Even though they have been known to come up with some rather questionable ideas, you can but 'believe' what you have been told by fire brigade people.It is (or a least it was) more common than being struck by lightning for a fan to grossly overheat and go on fire/smoke according to a couple of my fire brigade contacts - I mean actual fire/smoke type situations they have attended or investigated forensically, it does happen or it did happen ...
My reference to lightning was, needless to say, rather tongue-in-cheek, to emphasise my point that it was (I presume) I very rare occurrence.
I do think it must be extremely rare. As I wrote, I undertook experiments (which I'm pretty sure I will have reported here) to se what happened when one of these fans got 'jammed' - with a view to determining whether a 3A fuse (as vey commonly 'required' by MIs) could/would achieve anything. What I found was that the current drawn in that situation never rose to anything remotely as high as 3A and also that, in most cases, a 'thermal cut-out' would operate before anything got serious hot, let alone 'burning'.
Did they also say that a 3A fuse was needed, I wonder?...... and they took the stance that a timed overrun fan needed an isolator close to the fan or say immediately outside the bathroom. Without timed overrun/humidistat etc it was not important because a flick of the lightswitch would suffice (although better for cleaning etc)
Fan isolators (usually installed to facilitate maintenance) are commonly very high up on a wall (sometimes even on the ceiling). If I experienced this ('extremely rare') occurrence of smoke/flames coming out of a fan, I think I would be far more likely to head for the CU to isolate the circuit than to find a way to climb up and operator a 'high isolator' in a room which was 'on fire'.
Another thing I would say about the fire brigade's view (quite common is other contexts) is that they seem to have the idea that when an established fire has been initiated by an electrical fault, that the fire will 'go away' if the electricity supply is 'switched off' - and I don'gt think that is generally true.
One could, of course, always remain in the room throughout the 'timed over-run' period, in order to detect the first signs of smell/smoke (before there was significant 'actual fire') - but, of course, there would then be no point in having the 'timed over-run' in the first place
Kind Regards, John