Very odd to have MUSTs in the highway code not backed up by law, I was under the impression that any must is backed by legal ruling, hence a few of the odd "should"s that are in there?
Just a snippet from that reg:
"(3) Nothing in these Regulations shall require any lamp or reflector to be fitted between sunrise and sunset to-
(a) a vehicle not fitted with any front or rear position lamp,
(b) an incomplete vehicle proceeding to a works for completion,
(c) a pedal cycle,
"
I definitley hadn't intended to reinforce Mr Nutt's comment – unfortunately I imagine pretty much all insurers would try the same "stunt" regardless of relevance (and we all pretty much pick insurance mostly on price, I'd guess, which ultimately favours those that wriggle instead of paying out)
I apologise for "jumping" at your response then. You are, of course, correct in that respect.