It's not really the insurance or regulatory aspect that worries me, so much as the inconvenience of being involved in an accident that could have been avoided had the vehicle been less inconspicuous.
For NSW, rule 218–1 states that:
The driver of a vehicle must not:
(a) use any fog light fitted to the vehicle unless the driver is driving in fog, mist or under other atmospheric conditions that restrict visibility...
Rule 214–1 defines a fog light as:
a light used to improve the illumination of the road in case of fog, snowfall, heavy rain or a dust storm.
There is nothing in the regulations which prohibits the use of fog lights during the day. It would pretty silly if there were such a rule, as fog can form at any time during the day (or night), given the right conditions.
Source:
Road Rules 2008 (NSW)
Just as the housing for the dipped beam, main beam and direction indicator lamp is integrated, so too can the fog and daytime running lamps (if desired by the vehicle manufacturer), but each category of lamp will have their own positioning, geometric visibility and orientation requirements and specifications.
The bulb type or filament wattage does not necessarily determine the category of lighting.
The Mk6 & Mk7 Golf uses a H15 halogen bulb which has a dual filament: 15W for the daytime running lamp (full brightness) and parking lamp (reduced brightness) and 55W for the main beam lamp.
A H7 halogen bulb with a 55W filament is used for the dipped beam.
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