The contents of your house will kill you a long, long time before anything contributed by the building fabric (e.g. potential decomposition of PIR insulant under a sustained fire)
- Buy (a) smoke alarm(s).
- Buy and fit a carbon monoxide detector with a lithium battery for any room with combustion device in it (gas boiler)
- Avoid dodgy appliances. Actually - other than say smoking in bed and similar idiocies, the biggest domestic risk/causes of fires in the UK are pretty much cheap toasters and hairstraighteners/curling tongs, both of which tend to get left powered-up regardless of actual use, are dense heating loads, and often have insufficient internal safeguards. We don't see hurried speculative media-view-driven noisemaking about such things, unfortunately.
tl;dr: don't worry about your loft.