# Does Insurance Cover Windshield Repair in Alberta?

> Most Alberta comprehensive policies cover individual windshield chip repair at a $0 deductible without raising your rate. Replacement is treated differently — your deductible applies. The $99 annual plan is a prepaid subscription, not insurance, and isn't usually reimbursable.

Author: Andrew

## Comprehensive coverage rules

In Alberta, comprehensive (not collision) insurance covers damage from "perils of the road" — including rock chip impact. Most insurers waive the deductible specifically for chip repair because:
- The repair is cheap (~$50) compared to replacement ($400–900+).
- A timely repair prevents a more expensive future claim.

Filing a chip repair claim typically does **not** raise your premium. Confirm with your specific insurer.

## When insurance covers what

| Damage | Coverage | Deductible |
| --- | --- | --- |
| Chip repair (≤25 mm) | Comprehensive | Usually $0 |
| Crack repair (≤15 cm) | Comprehensive | Usually $0 |
| Full replacement (crack > 15 cm, edge damage, ADAS) | Comprehensive | Policy deductible applies (typically $200–$500) |

## How to claim a chip repair in Calgary

1. Book the $50 standard repair online.
2. Pay at booking — keep the receipt.
3. File the claim with your insurer (most have an online portal).
4. Reimbursement typically lands within 5–10 business days.

## What about the $99 annual plan?

The plan is a prepaid subscription, not insurance reimbursement. Most insurers don't reimburse subscriptions directly. If you mostly drive on insurance, the standard $50 repair claimed back may make more sense than the plan.

## FAQ

**Does Alberta require windshield repair coverage?** No — comprehensive is optional. But if you have it, chip repair is almost always included at $0 deductible.

**Will a claim raise my rates?** Usually not for chip repair. Confirm with your insurer.

**Replacement vs. repair on insurance?** Repair: $0 deductible. Replacement: your policy deductible applies.

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Source: <https://windshieldrepair-calgary.ca/blog/insurance-windshield-repair-alberta/>
Last updated: 2026-04-28