I'm not against your position Stacker I lost my Mod 90 once, it was handed into coppers on the 14th day still with £70 in, I never said it was stolen and I offered the money to the finder. As I said, I understand your position about some soldiers claiming an item to be stolen, I also remember the idiot selling his on ebay and some other thieving cnut who was caught robbing his mates from around the block - nothing worse than a thief in the block.
My issue is that it I empathise with the friend of the OP in that he had his medals stolen, he clearly cares about them because he was upset on the night (poof), and regardless of the regs (which Archibald cleared up) when you have to pay for them it is a shame that they are marked as replacements. He's better off paying for them than claiming on his insurance as should his originals then turn up they are then owned by his insurance company.
I guess I've responded as I really don't see why one soldier would look on another soldiers troubles and not want to see it made right. Plenty of better targets out there for scathing sarcasm. Snails clearly up for it, I think she can take it.
Everyone said their MOD was stolen (who wants to be charged?)
The OP got his medals stolen which isnt good but I dont know why anyone else should be bothered to put it right. Its just an insurance job (the same as if any other item got pinched, it might be different if he had a VC and it was deliberately targeted but it was just a run of the mill theft.
You can come to an agreement with insurance companies (what do they want with medals?).