Concurr completely, and with extensions' remarks. 1 domestic house is normally considered 1 fire unit. It is only when breaking through fire barriers between units that fire rated dls are needed eg a ceiling of a downstairs flat. Myth 2 fire rated does not mean they won't set fire to combustible materials in the ceiling void, or make them immune to thermal effects of insulation. F rated helps (suitable for fitment to flammable surfaces) but insulation needs to be moved away from fitting. In general I do not use fire rated dls because they tend to overheat the lamps and reduce lamp life. If insulation is going to be a problem fit low energy to reduse heat output at back of fitting or aluminim reflector lamps which reflect more heat forwards.