what insurance does the ute have? free windscreen replacement?
you wont get cover if you get screen replaced 'cause it leaks', but if a brick or large stone or even someones head goes through the windscreen then you can claim and succeed in free replacement.
A screen place I know of has a yard out the back and assorted supply of bricks, poles, even remains of a kangaroo, where you can do decent job yourself then talk to them out the front about insurance claim.