Ok, immersion heaters.. I have changed many of these in my own house.. Often, the first sign, is not so much that the water does not get hot enough, it is more like there is not much of it..
When you get the immersion out of the tank, it is plain why, the thing corrodes and bursts open and therefore only part of the element down as far as the burst bit is working. So, you only get hot water down as far as the knackered bit. If you are one of those people that are incapable of running two taps at once, you would not notice this though.. You do not get electrocuted due to the bonding i presume!!
I have got decent electrics here now, so some time i will be in a position to tell you if the thing bursting trips RCD's [I rather suspect it might!!]
On an RCD related subject, you know the tumble driers that catch fire and burn your house down.. Well, i have got one!! Having had it to bits, i can tell you that it is a stupid design.. Where the fluff ends up can plainly be seen, BUT the damp fluff also shorts the elements to the pressed steel frame of the machine, so, if you have an RCD [as i have now] the first thing you know is that the drier will trip the thing. It is a wonder that the makers and/or insurers have not discovered this, and decided that the will not pay out as it is "not our fault your house electrics are faulty.." [Yes i know, but that is what they would say]
john..