I don't think there's any insurance company in quebec that doesn't have free windshield replacement, without deductible. And on top of that, most windshield replacement companies will come out and do it on sight free as well. When I was working on the road using a company truck, I'd just call it in and leave the keys with the reception desk. When they arrived, they got the keys, popped out the old, installed the new, and had the receptionist sign for the job. I didn't even have to file the claim, they did it all themselves.