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When Does Return to Invoice Not Pay the Full Car Value?

28 June 2026

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Zero Depreciation vs. Return to Invoice: Key Differences Explained

15 April 2026

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What Should You Know About Return to Invoice Cover?

RTI is very different from the zero depreciation add-on . This is because RTI covers the full value of a car in case of theft or total loss, whereas zero depreciation offers a full claim amount on damaged parts without depreciation deduction. The standard insurance will cover or compensate for the reduced value.

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What are the main differences between zero depreciation and RTI? What are the most common misconceptions about zero depreciation and RTI?

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Our team will contact you shortly to provide personalized assistance with your insurance plan. Table of Content Introduction What Should You Know About Return to Invoice Cover?

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Our team will contact you shortly to provide personalized assistance with your insurance plan. Table of Content What is zero depreciation in car insurance? What is Return to Invoice (RTI) cover?

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What Should You Know About Return to Invoice Cover?

Return to invoice is an optional add-on cover for your standard car insurance. In case of complete damage due to accidents or theft, the cover should be of great help. It will also help if your car has been affected or damaged due to natural disasters. If your car is damaged for any of these reasons, you will receive the invoice value, not the market value.

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What is Return to Invoice (RTI) cover?

The return to invoice cover is a car insurance rider. Here, you are paid the vehicle’s original purchase price (including registration and road tax) in case of total loss or theft. The depreciation value is not considered, and you get the exact purchase value. This helps you to replace the vehicle and get a new one effortlessly.

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What Factors Affect the Cost of Return to Invoice?

2. The original invoice value of the car 3. The pricing structure of the insurer 4. What are the extra add-ons in the policy

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What are the main differences between zero depreciation and RTI?

The original invoice value of the car is considered. The depreciation value is not counted, and you get a large claim amount. 3. When is it used?