Flexible cords, at the two ends. By a wide margin the most common cause, and the one people least expect, because the cable itself looks fine along its length. A cord fails where it flexes: right at the plug and right where it enters the appliance. Vacuum cleaners, hair dryers, extension leads and anything on wheels are the usual suspects.
Water where there should not be any. Not always dramatic. A kettle base with a slow leak, an outdoor lead lying in a puddle after rain, a bathroom heater that has been steamed for ten years, a fridge defrost drain that has quietly blocked. Water is the classic earth fault rather than a short circuit, which is why the safety switch goes and the breaker sits still.
Nails and screws. A picture hook, a shelf bracket, a new architrave, a bathroom renovation. Cable in a wall does not announce itself, and a fastener that clips the insulation without going all the way through can sit there for months before it becomes a fault. This one is worth mentioning to anybody about to drill.
Rodents. Common in Sydney roof spaces and under floors, and they chew insulation for reasons that have nothing to do with electricity. It is one of the reasons a periodic look in the roof space is worth doing, particularly in a house where the wiring is original.
Loose terminations. A connection that is not tight heats up every time the circuit is used, cools when it stops, and works itself progressively looser over years of that cycle. It shows up first as intermittent behaviour and discolouration rather than as a trip, and it is the reason a switchboard that smells faintly of hot plastic is worth a look now rather than later.
Age. Rubber and fabric insulation from before about 1960 goes hard and crumbles, particularly where it has been warm, which is exactly where it is most likely to be disturbed. If a house is on its original wiring, faults stop being events and start being a pattern. That is a different conversation, covered on our rewiring page.