Some years ago I had an arguement with an insurance company when the drivers door window of her car was broke. They refused to pay saying only windscreens were covered but when I checked teh small print it cleary said "glass" with no mention of "windscreens" anwhere. Initially they refused to pay up but the treat of legal action based on the T & C's resulted in a cheque dropping onto the doorstep.

But no policy will cover scratches. Its for broken glass only.

If you want then to replace you will need to self inflict more severe damage.

But check the small print first.