There isn't a direct successor to the F610. (The upright format for digital cameras has been dropped by Fuji).
The specification for the F610 is here:
http://www.fujifilm.co.uk/digital/cameras/f610 /
You require the nearest equivalent from the Fuji range, here:
http://www.fujifilm.co.uk/digital/cameras/
The F10, F11, F20 and F30 models all have specifications broadly similar to the F610 but you might be able to convince your insurance company that the F650 (which has a better specification) should be accepted as the nearest successor to the F610.
Chris