3.2 Who is Covered
You are covered when you, or anyone else in possession of a described
automobile with your consent, uses or operates it. We will consider these other people insured persons.

URL: http://www.ontarioinsurance.com/FSCO_UW_MainEngine.nsf/0/e412584b6e4ee0ee85256aca0068f60b/$FILE/oap1eng.pdf