Free Stone Chip Repair in Saskatchewan — Are You Eligible?
If you have an SGI package policy with road hazard glass coverage, your stone chip repairs are free. Up to 3 per year, no deductible, no paperwork on your end. The auto glass shop verifies your coverage and bills SGI directly — you pay nothing.
Most Saskatchewan drivers don’t know about this benefit, even though they’re already paying for it through their insurance premiums. Here’s how to find out if you qualify and how to get it done.
Who Qualifies for Free Chip Repair?
You qualify if you have an SGI package policy (Auto Pak) that includes road hazard glass coverage. This is the most common type of enhanced insurance purchased through a broker in Saskatchewan.
Specifically, your policy needs to include a glass deductible of $50 or $100 for road hazard damage. If it does, stone chip repairs are covered separately from replacements — with no deductible applied to chips.
Not sure if you qualify?
You can check in a few ways:
– Look at your insurance documents for “road hazard glass” or “glass deductible” language
– Call your insurance broker and ask
– Call an auto glass shop — we can verify your coverage in minutes using your plate number
If you have standard SGI plate insurance only (no package policy), chip repairs are not covered — but they’re still very affordable at $25–$50 per chip.
How Many Free Repairs Do You Get?
Up to 3 stone chip repairs per year under a qualifying package policy. Each repair counts individually. You can get one chip repaired in January, another in June, and a third in October — all free.
The count resets annually with your policy renewal.
How to Get Your Free Chip Repair?
Step 1: Call an SGI-approved auto glass shop or walk in during business hours. At Showtime Auto Glass in Saskatoon, no appointment is needed for chip repairs.
Step 2: Bring your SGI policy number and plate number. The shop verifies your coverage with SGI in minutes.
Step 3: The shop repairs the chip while you wait — about 15 minutes. SGI is billed directly. You pay nothing and drive away.
That’s the entire process. No forms to fill out, no calling SGI, no waiting for approvals.
Why You Shouldn’t Wait?
Saskatchewan’s climate is one of the harshest in Canada for windshield damage. The freeze-thaw cycle — freezing overnight, warming during the day — causes glass to expand and contract repeatedly. A small chip that could be repaired in 15 minutes for free can become a spreading crack within days or weeks.
Once a chip becomes a crack longer than about 15 centimetres, repair is no longer possible and you need a full windshield replacement. With a package policy, that replacement costs your $50–$100 deductible. Without one, it’s $350–$700+ out of pocket.
Getting chips repaired immediately is the single best way to avoid a more expensive replacement down the road.
What If the Chip Has Already Spread?
If the damage has grown beyond what can be repaired — the crack is too long, it’s reached the edge of the glass, or it’s in your direct line of sight — the shop will recommend a full windshield replacement instead.
With your package policy, the replacement is still covered. You pay your $50–$100 glass deductible, and the shop files the claim and bills SGI for the rest. ADAS calibration (for 2018+ vehicles) is included at no extra cost.
Will a Chip Repair Claim Affect My Rates?
No. Stone chip repairs — like all road hazard glass claims — are not at-fault incidents. SGI’s Safe Driver Recognition program does not penalize you for chip repairs. Your safety rating, premiums, and driving record are completely unaffected.
You’re already paying for this coverage through your insurance premiums. Using it is the financially smart thing to do.
What If I Don’t Have a Package Policy?
If you have standard SGI plate insurance only, chip repairs are not covered by insurance — but they’re still one of the most affordable auto glass services:
– Single chip: $25–$50
– Multiple chips: ask about per-chip pricing
– No appointment needed: walk-ins welcome
– Completed in about 15 minutes
Even without insurance coverage, repairing a chip at $35 is far better than replacing a windshield at $400+ when the chip inevitably spreads.
Consider talking to your insurance broker about upgrading to a package policy with road hazard glass coverage — the annual premium increase is often less than the cost of a single windshield replacement.
Get Your Chip Repaired Today
Call Showtime Auto Glass at (306) 952-3580 or walk in during business hours. Bring your policy number and plate number — we verify your coverage in minutes and repair your chip for free.