Short answer: Almost every broken disc comes down to one of six things: side load, binding in the cut, exceeding the speed rating, a disc already damaged before it went on, using the wrong disc for the material, or pushing too hard. None of them are bad luck. All of them are preventable.
1. Side load
A cutting disc is enormously strong in the direction it spins and weak across that direction. It is built to slice, not to lever.
The moment you twist the tool in the cut, or use the flat face to grind a burr off, you are loading the disc in the one direction it cannot take. Thin cutting wheels are the most vulnerable, because there is barely any material resisting the bend.
The fix: keep the disc square in the cut. If you need to grind rather than cut, fit a grinding disc built for the job.
2. Binding in the cut

You are halfway through a bar. The offcut sags under its own weight, the kerf closes, and the material clamps onto the disc.
Now the disc is trapped and the motor is still turning. Something has to give: either the tool kicks back at you, or the disc comes apart.
The fix: support both sides of the cut. Either hold the offcut so it cannot pinch, or arrange the work so the cut piece falls away freely. Never let a heavy offcut hang unsupported.
3. Running past the speed rating
Every disc has a maximum RPM printed on it. Ours are rated to 12,225 RPM. That number is not a target, it is a ceiling that came out of testing.
Fit a disc rated for 11,000 RPM to a tool that spins at 13,000 and you are running it beyond what it was proven to survive. It may hold for weeks. Then it does not.
The fix: check the tool's speed against the disc's rating before fitting. Tool speed must be lower.
4. It was already damaged
A disc that has been dropped, knocked around a toolbox, or left where something heavy landed on it can carry a crack you will not see.
The fix: look at the disc before it goes on, both faces. Check for chips at the rim and hairline cracks near the arbor. If a disc has taken a hard drop, retire it. It costs a couple of dollars and removes the question.
Store discs flat and dry, not loose in the bottom of a bag.
5. Wrong disc for the material
A wheel meant for steel, used on stone, overheats and comes apart. A carving disc used on metal destroys itself. A coarse rim on glass chips the edge and shocks the wheel.
The fix: match the disc to the material. Each disc in our range has a specialty: metal, stone and concrete, tile, glass, and wood.
6. Pushing too hard
This is the one nearly everyone does. The cut slows, so you lean in. Leaning heats the disc, heat weakens it, and the extra force is exactly the load it does not want.
Pressure also makes the tool harder to hold straight, which loops you back to side load.
The fix: light, steady pressure and let the speed of the disc do the cutting. If it has stopped cutting, something else is wrong. More force is never the answer.
What does a disc about to fail look like?

- Visible chips or nicks in the rim
- A hairline crack, usually starting at the arbor
- Wobble or new vibration when running free
- Blue or brown discolouration from overheating
- A cut that suddenly takes much longer than it used to
Any of these, take it off.
If one does break, where do the pieces go?
Into the guard, if you fitted it. That is the entire reason it exists.
A quick-lock guard fits in seconds and stays tight under vibration. Wear safety glasses with it. The guard handles the large fragments, the glasses handle everything else.
The short version
Discs break for reasons, and the reasons repeat: side load, binding, overspeed, prior damage, wrong material, too much pressure. Square in the cut, both sides supported, light pressure, right disc, guard on. That is the whole list.
See which disc suits your material: Cutting Discs for Angle Grinders