Policy Bazaar — car insurance cancellations refund

Address:

New Delhi, Delhi

I purchased a car insurance from policy bazaar with national insurance, comprehensive insurance for 7150₹ and they took the payment very fast, as if they will issue the soft copy of the insurance policy at once. They came up with pre inspection policies after they took the payment, i am a house wife, not well versed with smart phones, i repeatedly asked them to refund my monies to my credit card or send some company representative. Its already five days that they have not initiated the refund and also did not accept the vedio of the pb inspection app, my question to the irda is that, why do these agent take the money before hand and they come up with the pre inspection clause. Why not the other way around. I am being harrassed by these company nd not getting any help from their side. I am helpless and want to sue this company for being negligence.