Named insured
The person named as the insured is within the covered group.
Spouse and dependants
The named insured's spouse and dependants of the named insured or spouse are included.
Listed drivers
Persons specified in the policy as drivers of the insured automobile are included.
Why driver listing matters
FSRA has encouraged insurers to make sure drivers are properly listed to support clarity about optional-benefit coverage.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.