How SGI Auto Glass Claims Work in Saskatchewan
What’s covered, what you’ll pay, and what to bring — explained simply for Regina drivers.
Your glass shop files the claim, not you
For windshield damage in Saskatchewan, the glass shop opens the claim with SGI on your behalf. You don’t call SGI, you don’t fill out forms, and you don’t use eClaim. You pay your deductible at the shop, and the shop bills SGI for the rest.
Back glass is the exception: SGI asks you to open that claim yourself first. Everything else works the same.
What happens when you make a glass claim
Damage happens
A rock chips or cracks your glass. Note the date — that’s your date of loss.
Contact an SGI-approved shop
Call, fill out a form, or walk in. You can choose any approved shop.
The shop confirms coverage
They check your policy and deductible with SGI and tell you what you’ll pay.
Repair or replace
You pay your deductible. The shop bills SGI directly for the rest.
What you'll pay depends on your coverage
Every vehicle has standard plate coverage. Many drivers also have a package policy or third-party add-on that lowers the deductible.
SGI Package Policy
- You don't file a claim — we handle it
- Deductible as low as $50
- Up to 3 FREE chip repairs a year
- Won't affect your rates or premiums
Third-Party Provider
- Other insurers — Sandbox, CAA & more
- You pay less on SGI's $700 deductible
- We direct-bill SGI & your provider
- Won't affect your rates or premiums
Standard SGI Plates
- Included with every registration
- No claim filing for windshields
- Smart for 2018+ vehicles with ADAS
- Won't affect your rates or premiums
Not Sure What You Have?
- Give us your plate number and registration
- We look up your coverage and deductible
- Share your policy number if you have one
- We'll recommend the best path for you
What to bring
Everything we need is on your vehicle registration. Bring it along, or have these handy:
- Your customer number
- Your plate number
- The date the damage happened
- Your package policy number, if you have one
Does a glass claim affect your rates?
No. SGI’s Safe Driver Recognition only penalizes at-fault collisions and traffic convictions. A rock hitting your windshield is a road hazard, so your safety rating and premiums stay the same.
Can you choose your shop?
Yes. You can take your vehicle to any SGI-approved glass shop. You’re never locked into one provider.
Claim or cash?
With a package policy, claiming almost always wins. On standard plates, small jobs like door glass are often cheaper to pay directly. We’ll tell you honestly.
Frequently asked questions
Do I need to call SGI before coming in?
For windshield damage, no — we file directly with SGI on your behalf. For back glass, SGI requires a claim first, and we’ll walk you through it.
How long does a glass claim take?
We confirm your coverage in minutes, and most replacements are done the same day.
What if I don't know what coverage I have?
Give us your plate number and registration and we’ll look up your coverage and deductible for free.
Can I switch from a cash quote to a claim?
Yes. If your insurance would cost you less, we’ll switch you to the claim path and handle the paperwork.
Ready to get your glass fixed?
Claim or cash — same-day service, honest advice, zero runaround.
🛡️ Glass claims won’t affect your SGI rates