Fire rated fittings or fire hoods are only required when compromising the fire resistance between fire compartments.
A standard two storey house is one single fire compartment so not required.
If it has an integral garage with a room above then the garage is one compartment and the house is another. Should you foolishly want down-lighters in the garage then fire rated fittings or hoods would be required.
I can appreciate that this particular post is "quite old" now but I am just at this mo. experiencing a lot of grief on this subject.
I can't go into specific details because my case is "with the court" as we speak.
Amongst a lot of other works, I installed four recessed light fittings in a plaster-board ceiling in the bathroom of a BUNGALOW. I always use JCC fire-rated fittings (they have the intumescent ring - between ceiling and fitting). These were the "open" type and not the "canister, fully enclosed" type. In other words, the lamps were visible from above the ceiling - in the loft. I moved the insulation away from these fittings and installed the transformers up off the ceiling and above the insulation level. Because the invoice "went into dispute" the client got another firm in to carry out a Dom. Electr. Install. Per. Insp. Report. They classed my recessed light job as a Code 4 category because, they explained, "lights not enclosed in loft area". They also provided photo "evidence".
It would appear from what you are saying, that if a two-storey house is one single fire compartment, then a bungalow would definitely also be one fire compartment and not require fire hoods. As stated, these fittings were fire rated models anyhow.
I was, I thought, reliably informed some time ago that "you were only required to use fire rated fittings or hoods if there was living accommodation on the floor directly above said fittings". I thought - no problem here, it's a bungalow!
Could you please provide me with some feed-back and also some guidance in where to look up the ruling for such an installation?