I have never heard of anyone having their insurance hiked for a glass claim when renewal time arrives, and as for it being a declarable claim, I have only ever seen insurance companies ask for the details of actual fender bender accidents in the previous claim sections, not specifically glass claims - it's pretty much a policy within a policy (with its own excess) with no effect on the no-claims discount.
Also, as Brembo has said, you can get small chips that haven't penetrated deep enough to cause a crack in the future - the repairers won't touch those.