Jay Silber, for applicant.
Jonathan Heeney, for respondent.
 E.M. MORGAN J.: — This dispute between two insurers
raises a question of priority for coverage for a driver who is in
a car accident while driving a rental car. The applicant seeks
a declaration that the respondent is the first loss insurer of the
driver in question under s. 277(1.1) of the Insurance Act, R.S.O.
1990, c. I.8 (the “Act”).
 On June 29, 2013, Adi Perets was in an accident while
driving a car that had been rented from the applicant. The occupants of the other vehicle have brought an action against
Ms. Perets (Court File No. CV-15-531103). That raises the question of insurance coverage for any liability incurred by
Ms. Perets in that action.
 At the time of the accident, Ms. Perets was a listed driver
under an automobile insurance policy issued by the respondent.
Her father was the named insured under that policy. The question of priority asks whether it is the respondent or the applicant’s insurer that is the first loss insurer.
 This question, in turn, raises the proper interpretation of,
and interplay between, the terms contained in two instruments:
s. 2.2.4 of the standard Ontario Automobile Policy 1 (“OAP 1”)
and s. 277(1.1) of the Act.
 Section 2.2.4 of the OAP 1 provides:
Automobiles, other than a described automobile, are covered as described in
this subsection when rented by you, or by your spouse who lives with you,
for periods of not more than 30 days, but only with respect to the liability of
the person renting the automobile arising from the negligence of the driver
of that automobile[.]
 As a further clarification, the word “you” in the first line of
this provision is the named insured. This court made that clear in
Minister of Finance v. Intact Insurance Co., 2013 ONSC 1457,
para. 38, where it held that, “If coverage under the OAP1 is to be
extended to a ‘listed’ driver in these circumstances, that is a mat-
ter of the provincial legislature, if indeed that is the legislative
purpose . . .”. Thus, for rental cars, OAP 1 covers only the named
insured person and his or her spouse. It does not provide coverage
for a person like the child of a named insured, who is listed as
a driver but is not herself a named insured under the policy.
 Section 277(1.1) of the Act applies to priorities among
available coverages if the automobile is leased, as follows:
(1) Firstly, insurance available under a contract evidenced by a motor
vehicle liability policy under which the lessee of the automobile is enti-
tled to indemnity as an insured named in the contract.