Have you already established with the insurance company how they will handle speaker replacement?
My job for 17 years was assessing the value of and quoting on home electronics for insurance companies. Some adjusters provide latitude and others go "by the book", adhering to the rule of "like kind and quality" (LKQ) replacement. Rarely has it been the case of an insured allowed to "go shopping". Most often adjusters use preferred vendors, relying on them to determine replacement. Just because that vendor may not be a dealer for the brand in question, or maybe not even a dealer at all but an insurance replacement company, does not mean they cannot get it.
There are also companies that do no replacement at all but just prepare replacement costs for an adjuster, Those companies usually use online sources and specs to arrive at their recommendations. In those cases, it is usually to establish the cost an insurance company is looking at to settle a claim. In other words, arrive at an ACV (actual cash value) which determines how much (depreciated value) they will give an insured in a "cash out".
If there's something in the Rega line now that is technically the replacement for what you had, they would probably love that as it fits the LKQ guideline. If nothing else, it establishes a cost and you can likely pick any pair (one pair not more) of your choice up to that value. If Rega does not offer something similar, obtaining quotes with comparable specs will usually satisfy an adjuster. That can work against an insured however because printed specs will not address the subtle nuances inherent in speakers. If an adjuster digs in their heals, it could be a bit of a battle so arming oneself with hard copies of anything such as test reports can be helpful.
Adjusters will mostly ignore original purchase prices unless the speakers were fairly new. Most often, people assume that that "direct replacement" refers to original purchase price - it does not. Adjusters go by what something does not how much it cost. Their logic which is true with a lot of their files, is that home electronics have gotten cheaper over time. But that can also work in reverse. If an insured can justify a more expensive pair of speakers as being the correct LKQ replacement, they have no option but to cover the cost. Another reason to have some form of printed evidence (ie: a letter from an dealer) to back up your claim.
Unless you know in advance what parameters the adjuster will use to fulfill replacement, I would not get my heart set on something then have the adjuster shoot you down. Most insurance companies allow up to a year for a contents claim to be settled. I have known it to happen where an adjuster will cave at the end of that time just to make the insured go away. But on the other hand, a few have not. Sometimes, an insured will go over an adjuster's head to a Claims Manager. That is no guarantee of success as that manager could easily side with the adjuster especially if that adjuster is "an old hand" at their job.
Unless there are extenuating circumstances (the adjuster considers you a pain in the neck), it has been my experience they have no problem with an insured upgrading - kicking in some of their own money to bet something better. As long as it is still speakers for speakers.
Good luck.
