HDFC Bank AUTO LOAN — preclosure of Autoloan

Charges of interest on insurance value also 10.5%. I asked HDFC rep. who disbursed my Auto loan and he said this insurance will be totally null if you prepay before six months and there will also be no penalty on auto loan if you pay before six months. And regarding this Insurance I was totally blank as they had not told anything about this Insurance. Now I want to close this loan before six months, I am contacting both the HDFC Rep. as HDFC branch lady who is head of auto loan disbursement based at Kolkata, they both are not picking up my phone. Please help me.