Regarding personal loan

Please first let me know how you have come into the picture, it was your fathers personal loan, were you the gurantor?

secondly please issue a notice to the insurance company that they have defaulted on the terms of insurance if they do not listen then go ahead and file a consumer case agaisnt the insurance company you can also lodge complaint against the insurance company to ombudsman

 it a legal debt . so as a legal heir u r liable for such debt . already u have paid two EMI's. if u not pay ,HDFC will  attach ur father 's property( any  of ur father'sproperty document will be in HDFC).    and  no necessity for insurance company to waive it.