Insurer decides what happened

I had an unfortunate indecent of a car theft. I had no idea that anything was ****** from my boot until I opened it and take something out. Insurer decided due to no physical damage it properly was remote jamming so they don't payout due to no physical damage. Their was no cameras in the vicinity so I cannot proof. Will a sane person go through all the pain to get case numbers ect. I was also told by the consultant that no insurance company will pay for remote jamming. Did some reading and their are insurers that does cover it. Just for the record how does the insurer magically know it is remote jamming. ********* also has master keys I think. People be careful ask Auto and general what they cover, they also said I didn't specify. I wonder what will happen if they ***** your car and the insurer concludes it is remote jamming. Was also told what if thousands of people claim for this. My answer it is a reality, innovate like others do or are you implying we all dishonest.