Answer: No, unless the insured agrees. Under the Unified Motor Vehicle Insurance Policy, the insurer must comply with the insured’s request: either pay the agreed insured value in cash or provide a replacement vehicle. The insured’s choice prevails.
Legal Basis:
Unified Motor Vehicle Insurance Policy
Article 7 of Insurance Authority Board of Directors’ Decision No. 25 of 2016 Pertinent to Regulation of the Unified Motor Vehicle Insurance Policies
Relevant case law:
Case No. 440 of 2025 / Dubai Court / Civil