There seems to be a bit of confusion as to the purpose of installing fire rated downlights.
Some seem to have got hold of the idea that a fire rated downlight is needed to prevent a fire starting within or around a downlight. This is not the case.
The purpose of a fire rated downlight is solely to maintain the integrity of the fire barrier that has been penetrated by the insertion of the said light fitting, in order to prevent the spread of fire between the fire compartment below the ceiling, to another fire compartment above the ceiling.
In a normal domestic property, there is only one fire compartment, ie the whole building, therefore no fire rated downlights will be necessary.
The situation is different in special cases, for instance, as
@westward10 mentioned, if it's a listed building, or if the building is an HMO.
Having said all of that, I personally always fit fire rated downlights, because it makes sense to do so. But there is no regulation, electrical or building, that can be cited in order to enforce them in most domestic properties.