Can I ask a quick question, if you are installing LV down lighter in a bedroom and the loft contains insulation should you cover them with heat protectors? I feel that they should be, but a colleague of mine thinks you wouldnt need to as you would keep the insulation away from then. But I feel that the home owner could at some point move the insulation near it either directly or inadvertently... I would of thought that it is better to air on the side of caution.