One thing to apparently watch for is whether a replacement windscreen is genuine OE or not.
A while back there were discussions on this in pistonheads where contributors were reporting lower quality screens when using insurers "preferred suppliers". This was the insurance company looking to reduce their cost. Some typical issues reported were
Imperfections in the glass, a "waviness" in the view as if varying thickness.
Poor fitting including leaks.
Extended waiting for repair, usually for non mainstream cars.
The discussions they had with their insurers tended to be about returning the vehicle to pre-problem standard/condition so OE screens should be used not substitutes. A lot depended on the policy wording.
With a Morgan there are two considerations.
Older trads without windscreen heating wires can be done by good repairers and a good glazier can cut new screens from vehicle glass ( think larger flat panes for buses etc with correct grade glass.
Newer heated screen cars need to go via dealers/factory as, apparently, supply of a new screen has to be through them. The manufacturer doesn't deal direct.
Luckily the chips I have on my car are negligible, no signs of spreading and outside the MOT zone.
A few years ago I did get a fright when seeing a large stone fly straight at me and bounce off leaving a chip that meant new screen. Not on the Morgan but a Focus. A mate was an Autoglass fitter so he did the replacement quickly and a good job.
So, suck up the excess and prepare for the renewal cost going up!
