Single point of isolation is I would say drawing the DNO fuse. In my house the fuse boxes are in the garage, which is normally locked, so if the fire man wanted to isolate power then pulling the DNO fuse which is located from a box outside would be the logical way, they would not hang around while I found the key.
For non emergency isolation the two RCD's are next to each other so very easy to operate both together.
The single point of isolation does separate the flats and bungalow, with a block of flats there is likely one point where you could isolated, but with a set of bungalows likely multi-points so I can see how the flats are one installation and bungalows many installations, however in the sub station likely there will be a single point of isolation for whole road, so using that at the definition does not really make sense.
I start to look at other installations, if I consider the gas terminal at Point of Aye that I worked on, there was no real point where you could split it into separate installations even though the site was large. However working at Jeyes in Mold they were using around 10 units which could have easy have been and in fact were sold off as separate units, so it would be considered as a least 10 installations as not really connected.
If I think about the Steel works, then it had some parts which one could consider separate as with Jeyes, but there were 4 power stations, the main one, had control of all power both in and out of all buildings and power stations and to and from national grid, it was a true power station, steam, air, gas, and electric all controlled from one central point, because of this interlinking of the services it is likely it could all have been considered as one. However covering more than one square mile personally I would class each building as an installation.
In fact if we consider what is entered on an installation certificate then that seems a more reasonable way to define it. So re-thinking it all, I would say it is all down to how many installation certificates cover the house, if you have 5 certificates then it is 5 installations, even if only one consumer unit.
So my house has one installation certificate so it's a single installation, my mothers house has three installation certificates, so it is two or three installations even if the second consumer unit is fed from the primary one. I did not look when re-wired if the kitchen and wet room was tested and inspected or if it was considered as being covered by the original testing and inspecting.
As to when no installation certificates have been raised or found, and the property has an EICR coving all, if then we would consider the EICR as replacing the installation certificate as far as defining how many installations I don't know, but I would say does not really matter if a installation certificate or an EICR these documents define what is in the installation. Minor works certificates don't count.
As to finding some regulation to support this idea that's something else, but when one considered how hard to define using any other method, it seems the certificates method would still work what ever the unit was, an installation is what is inspected and tested with a single certificate.
So how many installation certificates cover the house? if more than one, I will change my vote.