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BRB states vehicles only get cover save from area terrain if their hull is obscured, but indirect fire means you take cover from the centre...does this mean a vehicle in area terrain will never receive cover from such a strike?

Huh.....I guess if 50% of the hull is obscured as viewed from the center of the blast marker.

There is nothing that supersedes the other requirements for a vehicle getting a cover save.

It is unlikely that it will get cover, true