Advice needed!-Theft occurred in the student Hall at university

My laptop, Samsung phones, purse and bank card were being stolen by someone from my room at the student hall at 28th September. I woke up at 6:20am at that day and those items were gone from my room! Although the university has purchased insurance on my behalf (It is included as part of the services I expect to get by paying my university fees), it would be quite unlike for the insurance agency to approve the claim since there is no CCTV at the boarding house corridor so it was probably extremely challenging to prove that it is not the fault of the other students (not to mention that the university changes the lock setting of my room without informing me), so how do I obtain compensation from the university if the insurance agency rejects the claim? Should I convince the university to lower my university fees and accommodation fees as compensation in this case?

Thanks,

Celia

To Administrator: Please delete the other post I posted a few minutes ago

If it is other students it is still theft. Call the police.
Of course you would have your own insurance that you bought for these items right?

I have already called the police. The warden of our hall said that the theft occurred probably due to someone (That includes me) living in the hall forgot to close the corridor door that day (But there is no evidence because there is no CCTV at that area). I am not from Scotland. I have worked as an insurance agent for a short time in my home country. If the theft occurred due to one of the students forgot to close the corridor door that day, the insurance company is not going to compensate me for the theft since the insurance company would consider that the theft occurred due to the careless mistake of the student.

I have already contacted the student union and talked to the student adviser in the student union about this incident. But they were not able to help me other than lending me emergency money (Which I have already repaid) and asked me to call the police (I have already done that as well).
I have used the tracking function to track down my laptop and gave the address to the police...but no reply from the police.

Thank you. I have not installed tracking software in my phone....unfortunately.....

Since I am not informed about the changed lock setting, I do not know that I need to scan the lock with my key card in order to lock it (Normally, when you close the door, the door would be locked automatically (The kitchen door and the corridor door still use this lock setting). A lot of people got themselves locked out from their room last year so that is probably the reason why the university changes the lock setting this year.

But I was not informed about this change until it is too late.....

If you have an iPhone, you should have "find my iPhone" and you can block it through the Internet by logging in. It becomes useless.

I personally have insurance on my iPhone, iPad and laptop as they're very expensive to replace. In my opinion, it's necessary to have insurance for expensive item. My iPhone is nearly £1,000.

With insurance I pay £8 monthly and £50 excess fee if it's lost/stolen/broken etc. (That's just for iPhone though).