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Thank you for your interest!

Our team will contact you shortly to provide personalized assistance with your insurance plan. Table Of Content Introduction What is Return to Invoice (RTI) Cover in Car Insurance?

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What is EP (Engine Protect) in Car Insurance? How to Save Money on Car Insurance The Impact of Driving Behaviour on Premiums Standalone Own Damage vs. Comprehensive Car Insurance: Which One is Right for You?

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What is EP (Engine Protect) in Car Insurance? How to Save Money on Car Insurance The Impact of Driving Behaviour on Premiums Standalone Own Damage vs. Comprehensive Car Insurance: Which One is Right for You?

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Top Add-On Covers to Consider for Your Car Insurance

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Top Add-On Covers to Consider for Your Car Insurance

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

02 September 2026

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Why is Return to Invoice (RTI) Cover Important for Financed Cars?

10 April 2026

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What Is the Insured Declared Value and Why Does It Matter Here?

IDV is the current market value of your car, which is calculated on the basis of the manufacturer's listed selling price minus depreciation as per the age of the vehicle. It's the maximum amount a standard car insurance policy will cover for a total loss claim. It is almost always less than what you paid for the car.

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How Does Depreciation Affect Car Insurance Claims?

The IDV represents the current market value of the vehicle and is calculated after considering depreciation on the car and its parts. So, as the car gets older, the IDV also reduces. As a result, the claim amount paid by the insurer in case of total loss also becomes lower over time.

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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 (RTI) Cover in Car Insurance?

Return to Invoice (RTI) cover is an add-on that is available with a comprehensive car insurance policy. RTI helps you get an adequate amount of claim so that you can get an amount that is based on your car’s original invoice value.

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Expert Note

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 (RTI) Cover in Car Insurance?

Return to Invoice (RTI) cover is an add-on that is available with a comprehensive car insurance policy. RTI helps you get an adequate amount of claim so that you can get an amount that is based on your car’s original invoice value.