N
nickblake
Not if that is loft insulation it would be 101 it's only 103 in a wall and it's not touching the inner wall surface.
Derating values are important and on design of a new installtion or an alteration or addition to an old is paramount. But a common sense approach is in a domestic home is really needed. Apart from a very few circuits ie a fridge, burglar alarm or fire alarm, very few circuits will ever reach critical usage by being on constantly. Lights power and such most likely will never exceed 50% operational hours over a 24 hour period. Of course design and install the most safe and secure installtion but be sensible and use your design experience to the most
It does state 103 table 2.3.1 in the guide to building regs : Surrounded by thermal insulation including in a stud wall with thermal insulationwith cable not touching wall , so if you have a loft thats got 100 of insulation in it with the cables over the top of them then 200mm of insulation on the top then it would be 103