In the US National Electrical Code, for appliances and cord-connected devices, there are exceptions that allow the motor short-circuit protection to be handled by the panelboard fuse or breaker, so that you can be legal in some cases with only a motor overload device. Article 430.32: The motor overload device may be: (1) Separate Overload device, (2) Thermal Protector built into the motor, (3)Integral with Motor. A protective device integral with motor if the motor is part of an approved assembly that does not normally subject the motor to overloads.
If the motor is 1 horsepower or less, there are additional exceptions.
For intermittent duty (such as household appliances), the branch-circuit device can be used for motor overload protection also (Article 430.33).
If you are depending on the user's residential branch-circuit fuse or breaker for short-circuit protection, then you need to specify and size your additional fuse for motor overloads (long-time delay), or use a motor with a built-in thermal-trip device.
Of course the UK codes are different.