At the time of buying the policy, the sales manager said that refund would be given when the car is sold. After selling the car I applied for a refund and was told to come two days later. 

When I did he claimed the refund application was misplaced and to give another one! I feel this is just an excuse by the company not process any refund claims in the hope that I will just give up the claim under the pressure of having to file it so many times.