Computer insurance paying out in PCW vouchers

My uncle had his laptop stolen a couple of months ago, and the insurance just paid out with PC World vouchers. I can see their logic, but it seems unreasonable: the original laptop was chosen for his needs from a wide range of different suppliers, then further customised. We visited PC World this afternoon and found their range small and of poor value compared to the original purchase. I understand the insurers want to avoid him spending the money on other items (although the PCW vouchers could theoretically be used for ten thousand mousemats) but couldn’t they request he get a replacement and supply the receipt?