Toyota is just like an agent to sell insurance. Their principal can be any general insurance provider in Malaysia.
Whether the general insurance want to accept the risk to provide the insurance coverage or not, depends on the individual/company past track records.
If the company has had a few past claims of their vehicles stolen/total lost, you as the insurance provider dare to provide coverage for theft and total lost?
If the buyer has 30 years of driving experiences, had never claimed even windscreen replacement/accident, he wanna buy what car the insurer also will cover.

Take a look at your car insurance policy, you'll know which insurance you bought for your car.
Those who always claim for accidents, you'll also noticed their premium also higher, regardless of NCD.