Well, if you are not using Advanced Rules, as pere page 181, a unit just has to be entirely on, or within a terrain feature to gain cover, no mention of Vehicle keyword, or 50% obscure.
However, I assume you are using the Battlfield Terrain Advanced rules on page 248-250. Where is states in all the selections that 'Other units only receive the benefit of cover if at least 50% of every model is actually obscurred'
So, Every model in a unit has to be 50% obscured.
Though, this is all just from the BRB, no FAQ's or Eratta's. They could glean more information.
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