Fire rated downlights

If you are upgrading the lighting anywhere in your home to downlights you may have been asked this age old question.....”do you want fire rated or non-fire rated downlights?” To the average home owner this question will be pretty meaningless apart from the fact that fire rated sounds better than non-fire rated possibly.
However, the difference between the two is stark and in fact opting for the wrong type of downlight could cost a life – this is why it is important to beware of the difference between the two before answering the question.
What is a fire rated downlight?