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Do i need fire hood with 12v down lighters?

Hi
I have just fitted 12v downlighters to all down stairs.
I am going to fill under the floor boards with insulation which will go over the tops of the down lighters.

Should i not lag near the lights or fit fire hood?
At about £10 each that will mount up.

Or is it ok to just go over them as they are 12v?

Whats the right way to do it?

Cheers
Sm

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