Exploring Private Auto Insurance Options with Waypoint

When it comes to private auto insurance, Waypoint offers a diverse range of options tailored to meet the unique needs of various vehicle owners. Whether you drive a car, ride a motorcycle, or own an RV, Waypoint has you covered. Here’s a breakdown of our offerings and how they can protect you and your vehicle.

Vehicle Insurance Options

• Family Insurance: Established in British Columbia in 1989, Family Insurance has been a trusted provider for over three decades. Benefits include unlimited loss of use when using a Definity Repair Partner and subcompact car, $250 per occurrence of roadside service anywhere in North America
• Stratford Insurance: Based in Vancouver, Stratford Insurance offers reliable private insurance solutions. We offer an exclusive Waypoint package with Stratford Insurance that includes coverage for personal items, loss of use and rental vehicle coverage, destination support and roadside service, pet coverage, and concierge service. Additionally, we offer Gap Protection to cover you if your vehicle’s actual cash value is lower than your loan in case of a total loss, ensuring you don’t pay the gap out of pocket.

Motorcycle Insurance

For motorcycle enthusiasts, we offer:

• X Roads: Our exclusive in-house program with benefits like replacement cost insurance and multi bike discounts
• Beacon: Very well known in the motorcycle world, offering full coverage for your bike. Includes toll free roadside assistance, destination protection

RV Insurance

RV owners can also benefit from our partnerships with various private insurers, ensuring you find the right coverage for your travel adventures.

Understanding how different insurance coverages protect you and your vehicle is essential. Here’s a detailed look at the primary coverages available:

• Third-Party Liability: third-party liability protects you when you’re responsible for damage to others’ property. This can include damage to property such as fences or buildings, contents inside another driver’s vehicle and environmental clean-up due to hazardous material spills. Third-party liability coverage will also cover you if you’re driving outside of BC and cause injury to someone else or damage their vehicle.
• Collision Coverage: Collision coverage comes into play when you are at fault or partially at fault in an accident. It helps cover your vehicle’s repair costs and towing and storage expenses. This coverage is crucial as even the best drivers can make mistakes, and repairs can be costly. Collision coverage usually extends to damage caused by unidentified drivers (hit and run).
• Comprehensive Coverage: Non-collision damage can occur in many ways, and comprehensive coverage helps offset these costs. It covers loss or damage from theft and vandalism, fire, earthquake, explosions, falling or flying objects such as rocks or gravel hitting your windshield, hitting domestic or wild animals, and weather-related incidents including lightning, windstorms, hail, and rising water.

Exclusive Coverages Offered at Waypoint

• We offer a special package with Stratford Insurance that includes coverage for personal items, loss of use and rental vehicle coverage, destination support and roadside service, pet coverage, and concierge service. Additionally, we offer Gap Protection to cover you if your vehicle’s actual cash value is lower than your loan in case of a total loss, ensuring you don’t pay the gap out of pocket.
• Hagerty and ICBC Specialty coverage: We provide coverage for your most prized possessions, whether they are classic cars like a 1947 Hudson Super Six or modern marvels like a 2024 Ferrari SF90.
• Do you drive for Skip the Dishes, Uber, or Door Dash? Perhaps you rent your vehicle on platforms like Outdoorsy? We can find the coverage you need.
• We offer New Vehicle protection, rental vehicle coverage, ATV and motorbike coverage, storage insurance, and coverage for vintage or collector cars.

At Waypoint, we understand that every driver’s needs are unique. That’s why we shop around different insurance companies to find the best coverage at the best price for you. Learn more about auto coverage by connecting with one of our knowledgeable brokers today at 1-866-674-2816 ext. 847 or by filling out the form below.