Yes, you are correct. The insurance company only replaces your windshield for accidental damage. However, you can just break the windshield by yourself and report to your insurance company that the windshield is broken by a small stone when you are driving on somewhere like Eastern Corridor of HK Island. You do not need to report to police, just report to your insurance company. Actually the repair company will teach you how to raise the claim to your insurance company. Generally, the insurance covers HK$8,000 for replacing the windshield per year, so 6.8K is no problem.

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--2004 E53 X5 4.8is - ECE version; right hand drive; Located in Hong Kong; ext. black sapphire metallic; int. leather black; adaptive dynamic bi-xenon headlights; 16:9 onboard monitor w/o navigation; 20" genuine BMW Y-spoke 214 wheels with Bridgestone Dueler H/P Sport tires; Int. rear view mirror w/ compass.