By Damnit - 25/12/2018 13:00 - United Kingdom
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Cracks are usually covered by insurance, since the insurance company realizes it's cheaper to fix. Also, cracks are covered by warranty, they are lying to you. (I replaced windshields for a summer).
My insurance refuses to replace the windshield or even cover part of the price so I refuse to replace it.
You have seriously crappy insurance. Most companies know that it is cheaper in the long run. Also, if you get in an accident with cracked insurance you will be at fault to your insurance company will be picking up the bill anyway. But then again, there is no limit to the shortsightedness and cheapness of corporate bean counters.