Every year I use comparison sites to get the best deal I can. Sometimes I move to a different company and sometimes I’ve stayed with the same after contacting them to say I have found a better deal elsewhere and they either matched this or gave me a better price. I have always declared all claims including windscreen. I have always been polite when speaking to the insurance representatives. Sometimes they’ve matched lower prices and sometimes they haven’t so I moved elsewhere. I have also ensured that the policies are as near as dammit the same, especially with regards to cover especially with regards to travelling in mainland Europe and I visit often. However, one thing I failed to mention was the excess I had to pay for the windscreen repairs. It was £50 for the GS and £75 for the Honda. Both of which I found acceptable. It may also be pertinent to mention with regards to the GS that because it is a relatively rare car the repairers obtained the new screen via a Lexus dealer as it wasn’t available ‘off the shelf’. Anyway, regardless of your experience mine have been totally different. Not to say that my experience is the norm as I may have been lucky. But neither is your situation the norm. You may have been unlucky. Or there may be another reason of which we don’t know!
I also think that we are going ‘off topic’ and maybe a discussion about insurance should take place elsewhere.