Does a Glass Claim Affect My SGI Rates?
No. Filing a glass claim with SGI for road hazard damage — a rock chip, a cracked windshield from highway debris, or similar — does not affect your SGI safety rating, your insurance premiums, or your driving record.
This is the single biggest concern Saskatchewan drivers have about filing an auto glass claim, and it stops thousands of people from using coverage they’re already paying for. Here’s exactly why glass claims don’t affect your rates and what SGI’s rating system actually looks at.
How SGI’s Safe Driver Recognition Program Works
SGI uses the Safe Driver Recognition (SDR) program to determine your insurance premiums. The program assigns you a safety rating based on your driving history. A clean driving record earns you discounts. Incidents on your record result in penalties.
Here’s what the SDR program actually penalizes:
At-fault collisions — accidents where you were determined to be at fault
Traffic convictions — speeding tickets, distracted driving, impaired driving, running red lights, and other violations
That’s it. Those are the only two categories that affect your safety rating and your premiums.
Why Glass Claims Don’t Count
A windshield cracked by a rock on Highway 11 is a road hazard. You didn’t cause it. You couldn’t prevent it. It’s not a collision, it’s not a traffic violation, and it’s not at-fault.
SGI classifies road hazard glass damage differently from at-fault incidents. When a shop files a glass claim on your behalf, it does not appear as a negative event on your driving record. Your safety rating stays exactly where it was before the claim.
This applies to:
– Windshield replacements from rock damage
– Glass damage from road debris
– Glass damage from gravel
What About Vandalism or Break-In Claims?
Glass damage from vandalism or break-ins is also not an at-fault incident. You didn’t cause the damage — someone else did. While the claim process for door glass and back glass may differ (you may need to file a claim with SGI upfront and potentially a police report), the SGI safety rating impact is the same: none.
What About Filing Multiple Claims?
Filing more than one glass claim does not change the calculation. Each claim is assessed individually, and road hazard glass claims remain non-at-fault regardless of how many you file. If you get three rock chips in one year and repair all three under your package policy, your rates are unaffected.
The Real Cost of Not Filing
The fear of rate increases causes many Saskatchewan drivers to pay out of pocket for windshield replacements when their SGI package policy would have covered it for just $50–$100. Consider the math:
Out of pocket: $400–$800+ for a windshield replacement (more with ADAS calibration)
Through SGI package policy: $50–$100 deductible
Impact on rates: Zero
Drivers who avoid filing are paying hundreds of dollars more than they need to for coverage they’re already paying for through their insurance premiums.
Stone chip repairs are even more striking. Package policy holders get up to 3 free chip repairs per year — no deductible at all. Yet many drivers don’t get chips repaired because they assume “any claim is bad.” The chip then spreads into a crack, turning a free repair into a $400+ replacement.
How to Verify This Yourself
If you want to confirm that glass claims don’t affect your rates, you can:
–Review SGI’s Safe Driver Recognition program documentation — it lists only at-fault collisions and traffic convictions as factors
Call SGI directly at 1-800-667-9779 and ask
Ask your insurance broker — they can explain how your safety rating is calculated
The Bottom Line
SGI’s rating system is designed to penalize unsafe driving — not bad luck on the highway. A rock hitting your windshield is bad luck. Filing the claim is the smart financial decision, and it will not affect your premiums.
If you have a cracked windshield or stone chip, call Showtime Auto Glass at (306) 952-3580. We file the claim with SGI on your behalf, and you pay only your deductible. Your rates stay exactly where they are.
[Learn how the full SGI claim process works →]