Aegon Religare — about unable to continue the policy

Address: Ernakulam, Kerala, 682039

With reference to the policy taken with aegon religare 3 years back, i requested to change my policy address to the present address. They asked for proof of address with id proof. So, sent the soft copies of my pan and rental agreement. But, they are not ready to accept it. Hence, i wanted to surrender the policy. Having paid around 75, 000+ as annual premiums for last 3 years, they are saying i wont get any surrender value. Not even used a single penny from the policy till date. Now, i dont know what to do. Besides, regarding address change i am getting irritable default emails. Hence, undergoing a big ordeal. Unable to know what to do.