A "motor vehicle liability policy" as used in this chapter means an owner's or a driver's policy of liability insurance, certified as provided in section 287-22 or section 287-23 as proof of financial responsibility, and issued, except as otherwise provided in section 287-23, by an insurance carrier duly authorized to transact business in the State, to or for the benefit of the person named therein as insured.
HRS § 287-24
This section limits omnibus clause coverage of § 287-25 to policies which have been certified. 52 H. 80, 470 P.2d 521.