vc commodore
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Residual Current Devices are designed to protect people from electrocution. They do this by detecting any imbalance between live and return (or earth lines) and can trip in <45 ms. Such devices do not protect from over voltage or transient spikes nor do they protect circuits from over load. To protect from over voltage or transient spikes you’d use a surge suppressor for such things. To protect from circuit over load, you’d use a circuit breaker (at the required rating)...
You can get combine RCD and CB, such devices are called RCBO’s... haven’t heard of combined RDC’s and surge protectors...
But as some people still live in older homes with ancient grandfathered wiring that has not been updated for years, some people make do with porcelain carriers using old fashioned fuse wire In such cases, safety, what safety Even in new houses meeting lates AS/NZ 3000 wiring rules, you don’t see many installs with lightning or surge suppression devices.
So, car smashing into pole can still blow stuff we have plugged into out 240v power points... even in new houses... Rare, rather rare actually, but it can happen...
So your saying, any surge, or spike you get, there is a chance of an electrical house fire or will possibly cause a battery charger to ruin car electricals.....You really do have some funny ideas, that don't add up....But hey, if you think it's possible, take precautions to avoid it happening