During the discussion, we gained insight into some of the motivations underlying this realignment for Aviva: 

1) A loss in volume of close to $75 million over the past three years, due primarily to brokerage firm consolidation (volume transfer).

2) A desire to improve the underwriting process.

3) A desire to swiftly offer an alternative to an overconcentration of policies entrusted to one insurer supposedly controlling the market.

The RCCAQ made the following points, stemming from our membership survey:

1) The sudden nature of this change was not appreciated.

Mr. Tremblay is aware of this concern. There's never any easy way to deliver bad news. We mentioned that a well-thought-out announcement would have done more to build a mutually beneficial business relationship. 

2) The need to review the proposed deadline

In light of the reactions of brokers and the RCCAQ's representatives, Aviva assures us that there will be a transition period.

3) Increased role for banners

Aviva has also entered into agreements with various banners aimed at giving them a more important role when it comes to underwriting their members' policies. Your banners are required to provide you with information in this regard.

 4) Services for brokers need to be improved

An internal reorganization aimed at achieving greater efficiency and better services for brokers has been completed. Mr. Tremblay informed us that Aviva Quebec plans to hire 28 new underwriters over the next four years.

Aviva continues to think that brokers can and should be part of the solution by handling transactions more efficiently. Aviva will assist brokers wishing to move towards the greatest possible autonomous use of its administrative framework and has decided to divest itself of very small portfolios requiring significant administrative follow-up.

What do you think?