Takaful malaysia give an attractive offer.. low price and cash back if no claim made. I already used etiqa but this year i want to try Takaful Malaysia.

Takaful Malaysia offer :

You may be entitled to an estimated Cash Back of RM xx.xx subject to financial performance, applicable tax deductions and no claims incurred during the coverage period.

Complimentary Personal Accident coverage of RM15,000 for each driver and passenger.