I had an account with the ICICI bank. Every time I would go to their Branch, I would come back fuming at their amazing level of inefficiency. So preferring peace of mind to scoring a point, I closed my account and all my dealings with that Bank. Well almost, as I continued taking ICICI-Lombard travel insurance whenever I went abroad. As the travels went off well, so there was never any occassion to deal with that Bank. Till recently. Last month I went on a somewhat ambitious travelling plan to undertake a long Trans-Siberian train journey. As in the past, I took the ICICI-Lombard travel Insurance. But this time my luck ran out and my passport was stolen at St. Petersburg, Russia. I could not proceed further and had to return back to India. Since my travel insurance policy covered "loss of a passport", I sent the relevant documentation to the Insurer. They just refused to acknowledge half a dozen emails and pretended that they had not received my documents sent