James, my last job from 98 -21 was for a specialist multi use materials manufacturer. The biggest market for our material was the manufacture of insulation cladding primarily for the oil/gas/marine industries. The number of fire related tests can be bewildering and expensive. Like many rules, there can be "ways" around the tests which some despicable manufacturers use to get approval for materials that are not up to scratch e.g. manipulating samples for smoke and toxicity testing which can result in the materials being approved despite generating thick smoke and toxic gases when burned ordinarily.
Then there are the approval outfits which charge stupid money to grant their approval to tested materials e.g. Lloyds etc. We won a contract in 2011 to supply materials for a gas tanker conversion where everything had to be approved by RINA (Royal Institute of Naval Architects); no testing required, just show us your Lloyds approval plus 1500 Euros, thank you, approval granted. The whole industry is a nightmare, with so many different requirements for each industry; marine qualification is not recognised for buildings vice versa, despite being of higher test requirement (imo).