السلام عليكم ورحمة الله وبركاته احسن الله إليكم شيخنا If I have paid for an insurance as it was part of my Univeristy Fees. Is it allowed to use but only the amount that I paid? So if I paid 250$ I only use 250$ of insurance بارك الله فيكم

Commercial insurance is not allowed, because it is a form of maysir (gambling). If you were required to pay into it, as here where it was part of your university fees, then you may benefit only up to the amount you yourself paid, and you take nothing above that. So if you paid 250 dollars, you use only up to 250 dollars, and you do not take more than what you paid, in shā' Allah.