Now that Easter is over I had time today to call Lynn's insurance. There is a £60 excess, but they organise a glass company to come out, do the job at your home/work and the no claims bonus is not affected,so not 100's of pounds after all.
I really should know better.........If Lynn says her insurance doesn't cover glass........ I need to check for myself!!
She might be good at catching fish, but she's rubbish at important stuff!