They should be fire rated or have fire hoods, deflectors are used to avoid insulation sitting directly on the light fitting.
Fire rated style
They have a full metal jacket as fire protection
Fire hoods
In a fire situation the cover expands internally to fill all the available space with a highly insulating fire resistant char. Thus, the fire is unable to penetrate the hole and the cover is able to give additional insulation protection to the ceiling void to reduce the chance of heat build up and ignition of flammable materials such as accumulated dust and insulation.
Prevents fire from penetrating the ceiling void and retains ceiling's fire protection integrity
Covers a wide range of mains & low voltage downlighters
Ventilated to reduce heat build up
Installed in seconds
No screws, drilling or additional supported required
Maintenance free
Can be used in suspended, plasterboard or concrete ceilings
Lightweight & flexible cover can be fitted from below or above the ceiling
Once fitted down lighter can be fitted as normal
Provides a highly insulating stable char when exposed to fire
Deflector / loft brace
Keeps air around the fitting when insulation blankets installed