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Update - well I was spitting feathers on this one! Insurance company turned bolshy, said they wouldn't pay out if it was "thermal pressure" caused by hot sun (yeah right! some hope!) on windows ......... wanted 2 quotes + written reason if it wasn't caused by a bird or a stone thrown up by mower. We must have rung 12 companies within a 20 mile radius, lots of excuses "too busy" "too far out of our area" - this is the best one "won't do it unless you guarantee we get the job when we come out to assess" (eh? Insurance company decides matey!) In the end we managed to get 2 quotes (with inconclusive reasons!) but took nearly two days .......... finally they agreed to pay out but what a huge hassle its caused .... if we had said immediately a bird hit it they would have paid up immediately! Grr! what is the point of being honest?