Joy over new SX4 didn’t last long

Hello together, on Friday afternoon I was able to pick up my new SX4 1.9 DDiS 4×4. The car drives really well, very good passage and very comfortable. Only with the rearview mirror it is a little pity that this starts to vibrate on the highway. But with that I can live. Unfortunately the joy about my car is clouded by an annoying incident. Yesterday on the highway, I drove just 120 km/h, in front of me far and wide nobody, flew me a stone in the wind the car is just 2 days old. Now I spoke to my friend on the phone, and he will install me a new disc directly. Now I wanted to ask if the insurance now makes problems because the car is only 2 days in my hands? I have the 400 € insurance from Suzuki (Zurich). Do I get there now serious problems? How much do I have to pay myself?? I could mic h tot annoy about so much bad luck, that I was not my fault but sad and also you are still angry! Many greetings Anke PS. By the way, there is nothing to complain about in the car except the rearview mirror!!!!