Return to invoice (RTI) cover is a type of car insurance add-on that provides financial coverage in case of theft or total loss of your vehicle. The policy is designed to protect the financial investment of the owner and ensures that you receive the full value of the car if it becomes unsalvageable.

In the event of theft or total damage to your car, the standard insurance policy only pays the market value of the vehicle. However, the market value of the car might not be enough to cover the outstanding loan or the original purchase price of the car. With an RTI cover in your car insurance policy, you avoid being out of pocket for a significant financial shortfall.

For instance, consider a scenario where you financed a car worth $30,000, and after a year, the car gets stolen. With a standard insurance policy, you might receive only $20,000 as the market value of the car. However, with an RTI add-on, you will receive the full amount of $30,000, enabling you to clear your outstanding loan or invest in another vehicle, without any financial burden.

Return to invoice cover is especially relevant for newer cars with higher purchase prices. Investing in this add-on can save you from the stress of depreciation and market fluctuations that can significantly affect the value of your car in the long run.

In conclusion, Return to Invoice (RTI) cover is an essential add-on for car owners seeking maximum financial security for their vehicles. With RTI, you can safeguard your financial investment in your car against unforeseeable theft or total loss, without the possibility of out-of-pocket expenses. Always read and understand the terms of your insurance policy before choosing an RTI cover to ensure that it meets your specific needs.

This video help you to understand Return to invoice Cover in detail with example. You will be able to understand how you can get the original purchase cost of your car along with registration charges and road tax. Assessment of loss with Return to invoice Cover and without it explained with example.

This Channel is All About Insurance. Purpose of this channel is to share the share the insurance knowledge and put the complex wording in simplified form with example so that everyone can understand. We are going to cover mainly general insurance however key topics of Life insurance and Health insurance and insurance industries updates will be also covered. All field of general insurance like, Marine, Project insurance , EAR, CAR, Liability insurance i.e. CGL, D&O, Crime, Cyber Crime etc. and miscellaneous insurance will be covered under this channel

Link :

Link to insurance technical Channel –

5 things you should know before taking Car Insurance policy

Link to add-on cover of Motor Insurance Policy

Engine Protection Cover –

Zero Depreciation Cover –

Consumables Cover-

No Claim Bonus (NCB) and NCB Protection Cover


  1. Harpreet Mahmi

    Sir meri car total demage ho gya tha claim b company ne settle kar lea hai but paymwnt karte same unhone registration charges 1/3 pay kiya hai keh rahe hai ke apne 1/3 car chalayi i mean 5 year car chalayi jabki RC 15 yr ki hoti hai

  2. Sagar Jadhav

    Bhai meri gadi ka idv 6 lack hai to vhi gadi showroom wano ne gadi pe 5 lack ke part lgvaye hai pr mane bola tha ki gadi total loss kre to unone suna nhi meri bat to gadi bna dali to abhi mai kya kru

  3. Kuldeepak Sharma

    Hi, Very clear and informative video. My bodyshop manager is asking for around Rs 25000 as estimation charges for my total loss car. I have RTI in my insurance. Are these charges real or fraud?

  4. aditya bagve

    Do I need to get return to invoice from showroom? Or can I add that later even after one year? I am assuming the one given by showroom is anyways valid only for one year.

  5. Ocean Ramsay

    I am one of the Victim of Such Incident. I have Lost my Four year Old Car in a Fire Accident. got 40% of Original Price. I request Everyone Should Add RTI as add on While Renewing Their Insurance Policy.
    No Insurance Company Illustrate the Benefit of the Same While Renewing it.

  6. Brijesh Bijoulaya

    Sir maine apni car January 2018 m kharidi thi november 2021 m accident ho gya .mere car m RTI cover hai lekin insurance apni bol rhi modern old ho gye hai aap ko sirf IDV cost milega sirf.