are you being deliberately obtuse Conor? If you get it repaired it will be paid for by the insurers without affecting your excess. Nobody's saying change it! But if you don't get it repaired then the chances are it will crack then it _will_ need replacing!
FWIW the risk of stonechips is highest in summer IME when the councils are surface-dressing with chippings. YMMV.
Most policies have a surcharge on them. £50 on mine.
The original post was about changing it. Wasn't me shifting the goalposts.
I just found a cool graphic on
When I said graphic - I meant Flash animation. Run your mouse up and down the thermometer and see what happens (works in IE at any rate).
That's for replacement. They'll do a spot repair free.
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