So I asked the VW garage to quote for respraying the two front wings, bonnet and part of the roof between the windscreen and the sunroof. I also asked them to do one of these instant fix resin jobs on the windscreen to repair two chips that stones had made. The guy pointed out that the whole windscreen has multiple tiny chips that made it glint in strong sunlight. I couldn't see this and pointed that, anyway, as the car was only 20,000 kms old then presumably a new windscreen would very quickly suffer in the same way. So why should I buy a new one (my expense) as opposed to a chip repair (insurers expense).
Later the accident assessor turned up to look at the paint scratches. I asked for his opinion re the windscreen. "Well," he said, "they want you to buy a new windscreen because they have to take it out to do the paint job, and with those two stone chips chances are they will break the screen as they take it out. That means they have to pay for a new one. Which is why they suggested you buy one."
Talk about cunning stunts!