FLC IS CONCERNED ABOUT LOW FLT OVER BERMUDA WITH BREAKS IN THE OVCST.

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NY RADAR INSTRUCTED FLT TO DSND AND MAINTAIN 1500 FT ON OUR COURSE (THIS WAS GIVEN BY ATC; ABOUT 100 MI OUT). THE CLOUDS WERE 1200 FT BASES AND UP TO 4500 FT TOPS (FROM OUR DIRECTION AND TO THE NW). AS WE APCHED THE ISLAND ON DSCNT; WE QUESTIONED THE ALT AND DIRECTION THE CTLR HAD ASSIGNED. FO SAID TO THE CTLR THAT WE WERE HEADING OVER THE ISLAND ON THE ASSIGNED INSTRUCTIONS. AT THAT TIME THE CTLR TOLD US TO TURN R 20 DEGS. THE ISLAND BECAME VISIBLE AND WE TURNED R TRYING NOT TO OVERFLY THE ISLAND. WE STOPPED THE DSCNT AT 2000 FT AND DID PASS OVER THE SW TIP OF THE ISLAND. THE CTLR WAS NOT UNHAPPY WITH THE INSTRUCTIONS HE GAVE US AND WE WERE VECTORED FOR A VISUAL APCH; AFTER WE WERE OFF THE COAST UNDER THE BASE OF THE CLOUDS WITH RWY IN SIGHT (RWY 30). THE BERMUDA ISLAND IS DESIGNATED TX(R)-3017. MAX SPDS WITHIN 5 MI BELOW 3000 FT IS 250 KTS (WE WERE AT 210 KTS). ACFT WAS VECTORED IN THE CLOUDS OVER THE SW TIP OF THE ISLAND AT 1500 FT (WE STOPPED AT 2000; CTL WAS NY RADAR). WE SHOULD HAVE BEEN AT 5000 FT AND 3 MI OFF THE COAST. AT VISUAL SIGHTING OF THE ISLAND; WE QUESTIONED ATC; AND WE RECEIVED TURN OF 20 DEGS. THE FIRST VISUAL CONTACT WITH THE ISLAND WAS AT 2000 FT ABOUT 1/2 MI OFF THE COAST. THE COM TIME BTWN ZNY AND OUR ACFT CREATED A LATE TURN WHICH PUT US OVER THE ISLAND. WE WERE UNDER RADAR CTL FROM 180 MI OUT UNTIL THE HDOF TO THE TWR FINAL CTLR ON THE APCH TO RWY 30 (ABOUT 6 MI L BASE TO RWY 30).