Car insurance and chipped windscreen?

Most comprehensive policies which include glass cover carry an excess for glass replacement, windscreen (chip) repairs are usually free. A few policies require a (smaller) contribution for repairs, but this is normally stated on your policy.

Check your Policy Schedule or Key Facts. If you can't find anything written, give your insurer a call. If there is an excess for repairing chips it might be £10, or £25 if it isn't free. In the rare case where you're not covered for chip repairs, or that your excess is the same as it would be for replacement, keep a claim off your history and look at having it repaired by an acknowledged repair specialist.

I recommend Glass Doctors.

Some insurance policies cover windshield repairs such as yours with no deductible others don't. If yours does, you're actually paying for it in higher premiums. If it doesn't, in most locations there are repair shops, like Safelite, that will do the job for a bit less than 100 GBP. If the windshield needs to be replaced its much more. You could always call the insurance company and ask.

The dealer of the car or any other state inspection station can tell you IF the front window glass needs to be replaced.