Which action would breach the conditions of vehicle insurance?

Refusing to take a roadside test when prompted would breach the conditions of vehicle insurance because it directly contravenes obligations set forth by law enforcement and insurance policy requirements. Most automobile insurance policies stipulate that the insured must comply with legal requirements, which include cooperating with police officers during traffic stops, particularly if they suspect impairment or other violations. Failing to submit to a roadside test that assesses sobriety can lead to penalties, including fines and potential loss of insurance coverage, as it demonstrates non-compliance with lawful procedures that are essential for determining the circumstances surrounding an incident.

The other options provided do not interfere with the terms of vehicle insurance. Having a passenger in the vehicle is a normal practice and does not violate any insurance terms. Driving with a clean record is seen as a positive aspect, often resulting in lower premiums and does not constitute a breach. Similarly, using the vehicle during daylight hours is standard and poses no risk regarding compliance with insurance terms. These actions do not put the policy at risk or violate laws governing vehicle operation.