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How the Return to Invoice Cover Works in a Total Loss Claim

02 September 2026

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How Does Return to Invoice Cover Work in a Total Loss Claim?

Return to invoice cover is an add-on to a comprehensive car insurance policy. In case of a total loss claim, it pays the difference between the IDV of your car and the original invoice price you paid to the dealer. The original invoice price usually includes the ex-showroom price, RTO registration charges and road tax.

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What is Return to Invoice Cover and How Does it Work?

In the event of theft or total loss, return to invoice cover is an add-on to a comprehensive car insurance policy that guarantees you will get your car's original invoice value.

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This information is based on standard motor insurance practices in India, guidance issued by the Insurance Regulatory and Development Authority of India (IRDAI), and commonly available policy wordings from general insurers. Return to invoice cover is an optional add-on available with selected comprehensive car insurance policies. Before purchasing car insurance online, you should carefully review the policy wording and consult your car insurance company to understand how the add-on applies to your vehicle.

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What is Return to Invoice Cover and How Does it Work?

In the event of theft or total loss, return to invoice cover is an add-on to a comprehensive car insurance policy that guarantees you will get your car's original invoice value.