Did you read the product disclosure statement? It's not Toyota's job at all to tell you about the insurance cover, it's up to you to decide if the pol,icy it right for you. Compare different insurers and see what the right options for your needs are. Windscreen cover is something I always ask about, some insurers have it standard, like Shannons, and others like AAMI and NRMA you need to pay about $60 extra a year for it.