Last March, just before the Covid lockdown, while diving on the motorway a stone hit my windscreen and caused a ‘star/bullseye’ of just over a centimetre in diameter. Since it’s been a while and I started using the car again it needs repair (or even replacement?). I’m wondering if I should claim on my insurance as I’m not sure wether this will actually be treated as a claim whereby affecting my no claims (protected) and/or future premiums. My excess is £15 for repair and £75 for replacement. Any advice appreciated!