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@adroit
The only time this may become relevant (and has done so before) is when you are involved in an accident.
The driver can use the lack of pedal reflectors and or front and rear and wheel reflectors as a defence, and no amount of rear lights and reflective clothing and other reflective material make any difference.
If it doesnt comply with the vehicle lighting regs, you will more than likely have some degree of liability for any accident that happens when lights are required .