If you have a chip in your windshield that needs to be repaired or replaced, you may have to pay a deductible, but it won't affect your no claims bonus. Whether or not your no claims bonus is affected can depend on the type of damage and how it was caused. Filing an insurance claim will not reduce your bonus for not filing claims. It is important to note that this depends on your insurer and your policy. If your insurance policy does not specify windshield coverage, it is likely that you will have to pay the full cost of the franchise for repair or replacement. No matter what type of damage you have suffered, it is important to check with your insurer to see if it will affect your no claims bonus.
This way, you can make sure that you are getting the best coverage for your vehicle.