Thread: opinions please

Short version of events,
Ute purchased from dealer Oct 10th 24
Report squeaky belt and told to just use crc, which worked. As it was only the aircon drive i was not concerned.
Boxing day evening heading home from work, come out of roundabout at low speed and BANG.
Belt snapped and car wont start. Towed to dealers workshop for appraisal.
They find broken belt plus blade broken off of cooling fan and a sensor broken off ( cause of non starting).

They are saying the FAN broke and, and cut the belt, so not a warranty issue and I have to claim on mechanical insurance.
I find it hard to believe the fan blade would of cut the belt and feel the belt was the primary issue .

What say the experts in the field please.