How do I get a downlighter bulb out of the fixing?

I have flush ceiling down lighters with chrome outer cover in my shower room. I have read the other answers to questions relating to the replacement of bulbs. When I removed the clip holding the bulb I cannot remove the actual bulb as it is the same diameter as the chrome cover. Do I remove the cover and if so how do I ensure I don't damage the ceiling

John Arnold
August 2009