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The same thing happened on my dads Renault traffic the bolt holding the alternator sheered off while at speed and the aux belt flew off taking the cambelt and the top half of the engine with it, happened 1k before the 72k service!!
By fan belt you mean aux belt? Thats normal, the aux belt should be changed every 36k. I wouldnt worry about the water pump, if you havnt been loosing water or dont have a noise its fine. It can always be changed in another 36k.