...from the technical manager of a lighting manufacturer: "F-mark" and "Fire-rated" are not the same thing.
If a downlight carries the F-mark (letter "F" in an upside-down triangle), it can be mounted on combustible surfaces (e.g. wood). It does not mean that the light is fire retardant.
If a downlight is fire-rated, it incorporates intumescent materials which ensure that the ceiling maintains its fire and acoustic integrity in accordance with Building Regulations.
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I have been searching for 12V downlights for my lath-and-plaster ceiling. My electrician said that they needed to have a fire hood or be fire-rated. I think that he is wrong, since the ceiling itself does not have a fire rating. However, I do need downlights that carry the F-mark. Ironically, most suppliers of cheap downlights derate their lights to 35W to allow them to carry the F-mark. So I may have to buy fire-rated downlights after all if I want to get a 50W version!