If you have fully comprehensive Insurance then most likely windscreen chips will be repaired F.O.C by your Insurer and your windscreen can be replaced with just your windscreen excess being used. You should not lose your Cars no claims bonus.
If you do not have fully comprehensive insurance then what happens?
I can repair most windscreen chips but if it cannot be repaired I can arrange for it to be replaced at your convenience for well below the cost from Many large windscreen repair companies.
First chip repaired at £28.00 any other chip repaired at a cost of £15.00 each.