hi Nicky, its not just about pulling in a fault through the water main/or gas, but on a TNCS you can actually pull in a fault through the neutral/earth, as it is also spiked in numerous places along its length, usually reasonably close to where it enters the property, thus enabling a fault in your neighbours property to easily jump across to yours as well.
earthing I think, as most of us are well aware, is somewhat of a major inconvenience, it must be the only thing we ever do that we hope is a total waste of time and never used!!!!
but, its all about ass covering, maybe sometimes Im OTT with it, but I think we all realise that to err on the right side of caution is the only way to ensure we stay separate from the bobs out there.