The Nokia updater goes by these rules:
1. What is the current firmware version for the product code?
2. Is the firmware version on the device older or the same? If so, offer to install/reinstall.
If the current Orange firmware is the same V12 version as the Nokia firmware then it should be possible to possible to 'reinstall' the Orange firmware to a device with an Orange product code. If Orange are still on V11 (I think they are?) then you can't, because it would count as a firmware downgrade.
I changed the product code of my Orange n95 to a generic product code to get the V12 firmware update and Orange are still only on V11... So it looks like i can't do alot about it... I'll give the insurance a call and see what happens.