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You're probably out of luck if you want a camera that doesn't do movies, pretty much all DSLRs do now. Batteries? You'd have to change lens mount to get one that runs on solely AA these days, and it's amazing how long they can go on one charge. SDHC? It's not that much money; xD (if anyone still uses it) would involve a lens-mount change and CF would mean the D300s or FX, and I doubt if you could persuade them to go for FX - but try by all means.
I'd base my argument on my stock of Nikon F-mount AF (not AF-S) lenses. The D3100 and D5100 will not drive those lenses for Autofocus. The D7000 will, making it the lowest suitable replacement. Of course, if the insurers wanted to replace said lenses with AF-S equivalents, I might accept a D3100.
Chris
Last edit, I promise: You could argue about the portrait orienation shutter release etc. That might make the D4 the nearest equivalent? Or add a battery grip to the D7000 which would give you AA batteries too.
Last edited by greenwing; 18-04-12 at 06:53 PM.
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