We break down your policy options, so you know when it’s covered—and when it’s not.
The Problem With Windshield Damage: It’s Never Convenient
A small crack turns into a long one. Suddenly your visibility is compromised—and so is your peace of mind. One of the first thoughts that goes through most drivers’ minds is:
“Is this covered by my insurance?”
It’s a good question—and a tricky one.
In Ontario, auto insurance policies don’t always make it obvious whether windshield replacement is included, and most drivers don’t know until they need it. Between deductibles, comprehensive coverage, and concerns about premium hikes, it’s no wonder this topic causes confusion.
So let’s break it down.
First: What Kind of Insurance Covers Windshield Replacement?
Windshield replacement usually falls under something called comprehensive coverage. This is optional insurance that protects against non-collision damage—like vandalism, weather events, falling debris, or road hazards (think rocks flying from a dump truck).
If you have basic liability coverage, your windshield replacement is not covered.
Here’s a quick guide:
Coverage Type | Windshield Replacement Covered? |
Liability Only | No |
Collision Only | No |
Comprehensive | Yes (usually) |
What Is a Deductible—and Why It Matters
Even if your policy does include comprehensive coverage, there’s another factor to consider: your deductible.
A deductible is the amount you have to pay out-of-pocket before your insurance kicks in. In Ontario, this typically ranges from $250 to $1,000.
Example:
Let’s say your deductible is $500, and your windshield replacement quote is $400. Filing a claim wouldn’t help you, because the replacement cost is lower than your deductible.
But if your windshield replacement costs $800?
Your insurer would cover the remaining $300, and filing a claim might make sense—especially if it doesn’t affect your premium (more on that below).
At Auto Glass Legend, we help you assess this before doing anything. We’ll ask the right questions, check your coverage, and help you decide what makes the most financial sense—for you.
Will a Windshield Claim Raise Your Insurance Premiums?
This is one of the biggest fears drivers have—and often one of the most misunderstood parts of the process.
Here’s the truth:
In Ontario, comprehensive claims (like windshield replacements) typically do not affect your premiums.
Unlike at-fault collisions, which often lead to rate increases, windshield claims are usually considered minor and not surchargeable by most insurers. That said, every provider is different, and too many claims in a short period might raise red flags.
This is another reason why we take a consultative approach. If you’re unsure, our team can help review your policy and even speak to your insurer on your behalf.
Do Policies Cover Repairs and Replacements the Same Way?
Here’s where it gets even trickier.
Some Ontario insurance providers will:
- Fully waive the deductible for a repair
- But apply the deductible for a full replacement
This means a quick chip repair could cost you nothing, while a full replacement might come out of your pocket unless the cost exceeds your deductible.
Good news: At Auto Glass Legend, we always check to see if a repair is possible first—saving you time, hassle, and unnecessary costs.
Real-Life Scenarios We See Every Day
We service thousands of drivers across Mississauga, Burlington, Vaughan, Hamilton, and beyond, and here are some of the most common stories:
- Busy commuters in Oakville who don’t want to spend hours calling insurance companies
- Young drivers in Milton unsure whether it’s smarter to file a claim or pay out-of-pocket
- Parents in Etobicoke managing budgets and needing fast, mobile repair while working from home
- Senior drivers in St. Catharines unclear about the fine print of their coverage
We’ve seen it all—and we’re here to make it simple.
What a Windshield Replacement Actually Costs in Ontario
We believe in full transparency, so here’s what you can expect if you’re not covered:
Service | Typical Range |
Windshield Chip Repair | $80–$150 |
Windshield Replacement (standard vehicle) | $300–$600 |
Windshield Replacement (luxury/ADAS vehicles) | $700–$1,200+ |
If your deductible is lower than your replacement cost, we’ll help with your insurance claim and handle all paperwork for direct billing.
If your deductible is higher, we’ll still offer you the most competitive pricing in the region, with same-day mobile service.
How to Know What Your Policy Actually Covers
Here’s your 3-step process to find out:
1. Check your policy
Look at your insurance documents or online portal for a section labeled “Comprehensive Coverage.” Make note of your deductible amount.
2. Call your insurer (or we can help)
Ask specifically: “Is windshield replacement covered under my comprehensive policy?”
Bonus: Some insurers cover OEM vs. aftermarket glass differently. We’ll help explain what that means for your quote.
3. Send us a photo of your damage
We’ll assess whether it’s a candidate for repair or replacement and give you a personalized quote, with or without insurance.
Why Ontario Drivers Trust Auto Glass Legend
It’s not just what we fix—it’s how we treat you.
- We come to you — whether you’re at work in Guelph, parked at home in Halton Hills, or pulled over in Ancaster.
- We speak the same language as your insurer — and we’ll handle the paperwork.
- We offer lifetime warranties on labour.
- We don’t upsell — we help you make the most financially sound decision based on your coverage and vehicle.
Reviews From Real Customers
“I had a chip in my windshield and called them at 9 PM. They came to my office the next morning and handled everything through my insurance.”
— Sarah Iordanova
“They reviewed my coverage, told me I didn’t need to file a claim, and repaired my glass for less than my deductible. Totally transparent.”
— Cassandra Hebert
“Professional, fast, and no paperwork stress. They dealt with my provider directly, and my car was fixed the same day.”
— Edison Young
Service Areas We Cover
We proudly offer mobile auto glass services across: Mississauga, Vaughan, Etobicoke, Georgetown, Acton, Halton Hills, Milton, Oakville, Burlington, Hamilton, Stoney Creek, Grimsby, St. Catharines, Smithville, Binbrook, Mount Hope, Dundas, Ancaster, Puslinch, Cambridge, Guelph
Even if you’re not sure whether you’re in our range—give us a call. We’re probably already nearby.
What to Do Next
Whether your damage is minor or severe, don’t guess. Reach out for a free inspection and insurance consultation. We’ll tell you:
- Whether your glass can be repaired
- What your insurer will likely cover
- If you should file or pay privately
We’ll even handle the claim for you if you choose to move forward.
Wondering if your windshield is covered? Let us check for you.
Auto Glass Legend makes glass repair simple, fast, and stress-free—with or without insurance.
📞 905-333-9909 / 416-839-7804
📧 autoglasslegend@gmail.com
📍 850 Legion Road, Unit 13, Burlington, ON, L7S1T5
