Thanks for the reply, most helpful. Much clearer now but still a little confused...3 more dumb rse questions!
Which is the low speed and which is the high speed fan? The only one I can know about (and as, I said earlier I don't look under the bonnet that often) is the big twin fan in front of the radiator?
And to be clear if the water temp doesn't get up to above 95 (ish) then I shouldn't expect anything to happen?
And if the oil is getting significantly hotter than the oil then I have probably have an issue with a sensor somewhere?
Cheers, and sorry for the stupid questions...