When We Act as an Agent of the Insurer

Aviso Marine and Logistics distributes policies via two methods which has an impact on how we deal with you.

Agent of the Insurer

Sometimes we will act under a binder, agency or distribution agreement from the insurer. When we act under a binder, agency or distribution agreement we will be acting as the agent of the insurer. This means that we represent and act for the insurer and not for you.

We will tell you when we act under a binder, agency or distribution agreement to arrange your insurance or advise you about your insurance needs, or to provide claims handling and settling services on behalf of the insurer. Where we act under a binding authority from the insurer, we can issue, vary and/or renew and/or dispose/cancel the insurance for the insurer as if we were them (subject to the scope of the authority given which may limit which of these activities we can do and the scope of our authority in relation to them).

We currently have two binder agreements and when we act under a Binder, the Privacy Policy of the respective Insurance Company will apply.

Broker

For all other policies we act as your Broker and which means we will represent and act for you.