Denial of policy renewal - if thats what you are saying is happening - is indeed illegal. Instead of wasting time, you should file a writ petition in your jurisdictional High Court, and make sure your lawyer does not let the matter go on for "date after date". If you can't afford a lawyer, this is something you can try to file on your own - High courts tend to take dim views of such behaviour by companies, and don't stand too much on ceremony. There are people called "law clerks" that operate on the High court campuses. They are the ones who do all the paper work for all lawyers (excluding actually drafting) - and they tend to be underpaid. Find one of them who is willing to help you unofficially for a small fee - this will help you take care of the basics (you need this form, so much fee stamps, this signature here, etc etc - this is needed to just get the matter before a judge). Once it goes in front of a judge, plead your case in normal speech, respectfully, without theatrics, and state the remedy you are seeking.