1) Most fully comp policies cover the cost, usually with no excess to pay.
2) Does not affect no claim bonus. Insurance companies would rather pay for an inexpensive repair rather than an expensive full replacement when the stonechip turns into a long crack. (We do offer long crack repairs but not when it is an insurance-covered service)
3) Mobile, local and available. We come to you at your convenience and can usually offer a same day service. We also deal with any necessary paperwork on your behalf.