What you're seeing is a defect known as snowflaking. It's on the weakest part of the glass and water is seeping in to cause the glass to separate from the PVB interlayer.
Banging in a fraudulent claim to pay for a replacement means you'll more than likely end up with a cheap copy screen and with no real guarantee on how well it will be fitted (it can be a lottery when it comes to using the insurance company's nominated supplier).
Motor insurance is ever rising and although a lot of them will say there's no impact on NCD, there will be a clawback somewhere (usually on renewal).