Some interesting responses.
Glass cover is for broken glass, or damage. What is construed as damage will be down to interpretation of the facts, or what the insurer identifies. A broken line can be repaired.
The talk of smashing it with a hammer (on a public forum) is conspiring to defraud. Everyone is quick to moan about how insurers are having it away with rising premiums, yet the willingness to scam them out of the price for a faulty window is not frowned upon.
In any case, the insurer will have an arrangement with their nominated supplier. In this case, you will get what you're given: a non-OEM part and by that I mean not genuine Audi; there are very rare exceptions to this, and anyone who talks about parts being "stamped" are talking out of their backside.
Let's say you did accidentally reverse into a hammer, yes, the toughened glass will go everywhere. The task of cleaning up the millions of fragments aside, the chap sent by your insurer's nominated supplier might do your car some damage which will not become apparent until it's too late (and prolly well out of the warranty period). Many people have bought cars and inherited these problems, ergo: are faced with the cost of repairing them, or, like some people in this thread appear to be so accustomed to will scam their insurer for the cost of repair. Also, if the glass is intact, 90% of the 'insurance approved' national company fitters cannot remove an unbroken glass without damage to it, the car or themselves!
Frankly speaking, the sooner windscreen cover is dropped from FC policies, the sooner we can get rid of this attitude to claim for vanity.
