Get your chipped windscreen repaired
If your windscreen is chipped by a stone, you need to get it fixed sooner rather than later. Catch it in time and it’ll probably mean a free repair on your insurance, which won’t affect your no-claims bonus. But leave it and the chip will turn into a crack, forcing you to replace your windscreen. Your insurance should still cover it, but you’ll probably have to pay a £50 excess – although it still shouldn’t affect your no-claims bonus. Keep a decent distance from the car in front when you’re driving, and you’ll reduce the chances of stone-chip damage to your windscreen.