I have fitted this new heat resistant fitting recently that B&Q sell. It is ratted to work with insulation. Definately would not have insulation near your standard recess fitting.
Cheers Paddy
I was in B&Q yesterday too.
I didn't see any fittings which are rated to work with insulation.
I saw fire resistant fittings, (which contain a metal can). The fire resistant means that if there is a fire, the hole in the ceiling will be fireproof, i.e. no flow of air will pass via the fire and next floor. It doesn't mean you can have the insulation touching the can.
All the fireproof fittings say to leave a 10cm gap between insulation and the fitting.
Do you have the model number of item which is rated to work with insulation ?
I see on the internet that there is an American standard of fireproof recessed lighting called "IC designated" meaning "Insulated Ceiling".
These devices have circuitry which turn off the light if it raises above a certain temperature.
I don't know if this standard used in the EU, I didn't see any in B&Q, and when I asked in B&Q, nobody had heard of it.
In the meantime, I have switched to 1.5 watt LED GU10 lights in my ceiling, I'm sure they won't cause a fire because they don't get hot in operation (not even lukewarm), they give off quite a nice ambient light too.