Windscreen repairs

If it's in the swept area I weould take it to someone like Autoglass. Most insurers will pay out in full for a repair.

I had a chip that was close to the edge of the glass (outside the swept area), and Autoglass wouldn't touch it "it's too close to the edge guv". I had reasonable success repairing it myself with a DIY kit:

Be careful if you renew your insurance with the same company. On a couple of occasions I've read the T&C that accompany the renewal quote to find that the excess on glass repair/replacement has been increased to a high value such that the company are not effectively carrying the risk. It's one of the tricks the insurance companies play on loyal customers.

That wasn't my experience when I went through 2 replacement windscreens in less than a year with Zurich, and I'm fairly certain both my recent companies (current and previous) pay for a *repair* without an excess. OTOH Zurich renewal premiums were always daft, I ended up getting a fresh quote and policy as a 'new' customer with them rather than renewing. I'm back with Zurich after a year or two of absence and it will be a while before I find out if anything has changed.