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One call.
We handle
the claim.
Windshield insurance claims in Ottawa
We bill your insurer directly, and stone chip repairs usually have no deductible with comprehensive coverage. You make one call. We do the paperwork.
$0
chip repair
with most
insurance
Direct billing
We deal with your insurer
$0 chips
Usually no deductible with insurance
All insurers
Any Canadian insurance company
Mobile
April to October
All the big names
Insurance companies we work with
We work with all insurance companies and bill them directly. These are the ones we deal with every week, and any other Canadian insurer with comprehensive coverage is fine too. Not sure what your policy covers? Send us your insurer and policy number and we'll check.
- Intact
- Aviva
- TD Insurance
- Desjardins
- Wawanesa
- Co-operators
- belairdirect
- Northbridge
- CAA
- Any Canadian insurer
How your windshield claim works
01
Call or send a photo
Tell us your insurer and policy number. We usually book you in next day.
02
We confirm coverage
We check with your insurer and tell you exactly what you'll pay before we start.
03
We fix the glass
At our Nepean shop, or at your home or work from April to October. Cameras calibrated in house.
04
We bill your insurer
We send the invoice to your insurer. You pay only your deductible, if your policy has one.
What does insurance cover?
In Ontario, windshield damage is normally covered by the comprehensive (or all perils) part of your auto policy. Every policy is different, so we confirm yours before any work starts.
| Your coverage | Chip repair | Windshield replacement |
|---|---|---|
| Comprehensive or all perils | Usually no deductible for stone chip repairs. | Covered. You pay your deductible and we bill your insurer for the rest. |
| Limited glass endorsement (OPCF 13C) | Rock and road debris damage isn't covered, so our cash prices apply. | Covered only for causes like theft, vandalism or hail. |
| No glass coverage | $100 first chip, $50 each extra, plus HST | From $300 plus HST, quoted up front |
Start your claim
What we need for your claim
- A photo of your pink insurance slip, or your mailing address
- Your current mileage
- Your licence plate number
- The date of the incident
- Your VIN (17 characters), or a photo of your VIN or registration
★★★★★
“I had my windshield replaced by Jon and his team and couldn’t be happier with the experience. They made the whole process incredibly easy by handling the insurance claim from start to finish. I dropped my vehicle off in the morning, and they were kind enough to drive me to work—and later even dropped my car off at my workplace once it was ready. The service was quick, professional, and stress-free. Highly recommend!”
April H. · Google review
Insurance questions
Do I need to call my insurance company first?
No. Call us first and we start the claim with your insurer. If your insurer asks you to call their claims line, we tell you exactly what to say.
Can I choose Clear Choice for my claim?
Yes. As a vehicle owner, you get to choose where your vehicle is worked on. We deal with all insurance companies and bill them directly.
Is there a deductible for chip repair?
Usually not. Most comprehensive policies cover stone chip repairs with no deductible. We confirm with your insurer before we start.
What do you need to start my claim?
A photo of your pink insurance slip or your mailing address, your current mileage, your licence plate number, the date of the incident, and your VIN, or a photo of your VIN or registration. Send them through the form above and we'll call you back.
Will a glass claim raise my premium?
Glass claims fall under comprehensive coverage, the no-fault part of your insurance. A comprehensive claim doesn't count against your policy, unless you make several claims in a short period of time.
Is camera calibration covered?
Yes, calibration of the camera is covered by your insurance company. It is a necessary service after a windshield is replaced. We do it in house with Autel equipment and include it in the estimate we send your insurer.
One call.
We handle the rest.
Related services: Windshield chip repair · Windshield replacement
Updated November 2026