20 down
Centre
installs
unwarranted
bath
(3,3)
Centre installs unwarranted bath (3,3)
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The definition is at the end of the clue.
How the clue works
Look at bath — that's your definition. You've got HUB (meaning centre) doing the heavy lifting as the container, and OTT (over the top, i.e. unwarranted) gets "installed" inside it, giving you H+OTT+UB.