Return to Invoice Cover (RTI)

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Manasvi Gupta

Written By

Manasvi Gupta

Manasvi Gupta

Manasvi Gupta

Content Writer

Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.

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Manasvi Gupta

Manasvi Gupta

Content Writer

Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.

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Reviewed by:

Mayur Kacholiya

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Mayur Kacholiya

Product Head - Motor

Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.

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mayur-black-white-test

Mayur Kacholiya

Product Head - Motor

Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.

Listen to the Summary

Return To Invoice (RTI) Add-on in Car Insurance Explained

For some people, their car is like their baby! They’re constantly looking after it, nurturing it and protecting it from all potential dangers. However, we all know that sometimes, no matter what- unfortunate incidents happen and for all those moments, there’s a car insurance that’ll have your back! But what if the vehicle is a total loss, or worse- stolen away?

If you gasped (even if a bit) at the thought of that, a Return to Invoice cover is something you should learn more about and we’ll be there to take you on that journey!

Table of Contents

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What is Return to Invoice in Car Insurance

What is Return to Invoice in Car Insurance?

Return to Invoice cover is an add-on cover in car insurance offered in a comprehensive car insurance plan. The same allows the insured customer to receive full compensation, i.e. the last complete invoice value of their car, in case it has been stolen or total loss.

If your car suffers theft or damage beyond repair, don’t fret as Return to Invoice in car insurance will financially have your back in such a situation!

It will give you the benefit of getting back the complete amount of your car's invoice value, including the cost of registering a new vehicle and its road tax respectively.

A Return to Invoice cover is an exclusive add-on cover in car insurance offered along with Private Car Package policy or Private Car Standalone Own Damage Policy.

Disclaimer: The total number of claims settled, amount paid in claims and the total policies sold count is for private car policies since inception till 31st December-2024. 96% claims settled for Overall Motor line of business of Digit. CSR Is calculated for FY 24-25. CSR Ratio is count of (Claims paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End). 9000+ cashless garage network count as of 31st March-2025.

how does return to invoice cover work

How does Return to Invoice Cover Work?

In a normal car insurance cover, the maximum amount of claim you can get is restricted to the IDV of the car. Return To Invoice is an add-on option which covers the gap between the Insured Declared Value (IDV) and the invoice value of the car. For context, the IDV is lesser than the invoice value of your car because of depreciation that happens over years. Sounds like Greek and Latin to you?

Basically, the coolest thing about this add-on is that it fetches you the on-road price of the car; the price you’ve paid for your car and doesn’t account for any depreciation! And perhaps this can almost make you feel good about your car if it is stolen or in case of total loss. (Well, we did say “almost”! 🙁)

what is return to invoice cover meaning

What is Return to Invoice Cover Meaning?

Return to Invoice means an add-on cover in car insurance that returns you the full invoice value of your car in case of total loss or theft. This means the insurance company will pay you the amount you originally paid for the car, including registration charges and road tax.

What is RTI Insurance Full Form?

RTI insurance full form is Return to Invoice. This add-on cover ensures that in case of total loss or theft of your car.

RTI is Available for Which Type of Cars?

At Digit, the Return to Invoice cover in car insurance is applicable to cars up to 3 years old. However, RTI is not available for second hand or used cars.

what are the benefits of rti in car insurance

What are the Benefits of RTI in Car Insurance?

Return to Invoice in car insurance offers several benefits such as:

Enhanced Coverage: RTI in insurance enhances the scope of your insurance coverage, by backing you up financially in unprecedented situations, thus, promising more comprehensive protection.

Full Compensation: Return to Invoice insurance means you get back the full invoice value of your car in case of theft or total damage. Thus, having RTI cover can help you significantly. 

Beneficial in High-Risk Areas: If you live in a highly crowded city more prone to accidents, or an area prone to theft or natural disasters, RTI is your best bet!

Peace of Mind: Knowing that you will be compensated for the full value of your car with RTI cover will give you peace of mind while driving.

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What’s Covered in Return to Invoice Cover?

Total Loss

RTI will cover the full invoice value of your car in case it suffers from total loss, implying that your car is damaged beyond repair due to an accident.

Theft

Return to Invoice in car insurance will also compensate the complete car invoice value, including registration fees and road taxes, if your car is stolen and not recovered.

What’s Not Covered?

Repairable Damage

Return to Invoice cover does not cover small dents or minor damages, which can be repaired.

Third-Party Liability

RTI is not applicable if you only have a third-party car insurance policy. It is available with comprehensive and own damage insurance policies.

Older Cars

RTI is typically available for new cars up to 3 years old, so it may not cover older cars.

Which Add-ons to Buy with Return to Invoice Cover?

Along with opting for Return to Invoice car insurance cover, you can also buy the following add-ons to enhance your insurance coverage:

Consumable Cover icon

Consumable Cover

New car owners with Return to Invoice cover can also opt for the consumable cover add-on as it provides an extra layer of protection by covering the costs of essential items like engine oils, screws, nuts and bolts, grease, and more in the event of an accident.

Breakdown Assistance icon

Breakdown Assistance

Getting the roadside assistance add-on along with RTI cover will ensure that you and your car are safe in case of any breakdowns.

Zero Depreciation Cover icon

Zero Depreciation Cover

Zero depreciation cover is more suitable for older cars, as with this add-on the cost of depreciation is not calculated, and you get the full value of repairs, costs and replacements during a claim.

Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25

When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:

  • Smartphone-enabled self-inspection process, with which you can file your claim in minutes!

  • Cashless Claims at over 9000 garages in India, so you can get your two-wheeler fixed without stress. 

  • Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!

What Our Customers Have to Say about Us

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What’s great about a Return to Invoice Cover?

Let’s just say that a return to invoice cover is like that one friend, who’ll always be there for you except that it does drift away as time, and years pass by.

  • A Return to Invoice cover is best suited, to protect and compensate you in case your vehicle is stolen or damaged beyond repair. 

  • You should opt for a Return to Invoice cover if you stay in a city or area that is prone to thefts. This way, your motor insurance plan will provide you complete protection in any possible case.  

  • Generally, when you make a claim in any type of motor insurance, the amount you’re compensated for also accounts for your vehicle's depreciation too. However, if one has opted for this add-on cover in the plan, no depreciation would be accounted for and you will only get compensation based on the last invoice value of your vehicle. 

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what is the role of digit in return to invoice cover

What is the Role of Digit in Return to Invoice Cover?

We know that the add-on cover already sounds pretty cool and you would ideally like to know what Digit offers as part of our Return to Invoice cover. We shall pay the cost of a new vehicle of the same or equivalent make, model, features, specification of the Insured Vehicle subject to the price mentioned in the invoice of the insured vehicle.

If the exact same make, model, variant is discontinued, we shall compensate with the last available invoice price of the insured vehicle immediately before discontinuation.

Not only do we reimburse the first-time registration charges of the new vehicle, but we also reimburse the road tax.

We believe it’s better to be safe than sorry and even provide you with an insurance policy to cover the Vehicle, which includes Own Damage Cover, Third Party Liability Cover and other add-on covers. 

While the Zero Depreciation Add-on cover also sounds like it’s got your back, it only pays you back the ex-showroom price, but the Return to Invoice add-on cover also covers road tax, insurance policy cost and registration charges you had paid.

Be the superhero your car needs and protect it all the way. You know what they say, go the extra mile for your car and it’ll go many extra miles for you!

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When is Return to Invoice Cover Applicable?

Return to Invoice is NOT an option you can claim to compensate for small blemishes and repair bills, like the last dent in your car or the crack on your windshield.

In fact, partial loss can be handled through Own Damage Cover and other add-ons like Zero Depreciation, whereas Return to Invoice helps you recover financial losses that arise because of a stolen car, or a car damaged beyond repair i.e., when you’ve suffered a Total loss of your car. 

Therefore, RTI add-on comes into effect only in case your car is stolen or suffers from total loss, meaning that your car is beyond replacement or repair.  

Also, depending upon your insurer, the Return to Invoice cover in car insurance is generally applicable to cars 3 to 5 years old.

when is return to invoice cover not applicable

When is Return to Invoice Cover Not Applicable?

The Return to Invoice Cover is not applicable in the following situations:

  • If your vehicle is damaged, but only to an extent where it can still be repaired.   

  • If you claim that your vehicle is stolen, but don’t have an FIR or police complaint towards the same to confirm the same. You will need to support your claim with relevant documents. 

claims phone screen

How is AI making Digit’s Motor Insurance Claim Process Faster & Smarter

At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.

  • AI That Sees What You See: When you upload a video of the damage through our app, our AI doesn’t just watch—it analyses. Using advanced image recognition, it assesses the extent of the damage, classifies it, and helps determine the next steps. This means quicker evaluations, fewer delays, and a smoother experience for you.
  • Automated Document Processing: From inspection reports to claim forms, our AI systems automatically sort and process your documents. This reduces manual effort, minimises errors, and speeds up approvals. And with a human-in-the-loop approach, we ensure every claim is handled with both precision and empathy.
  • Automation That Works Behind the Scenes: Our systems also fetch claim details directly from partner platforms, eliminating the need for repetitive data entry. Whether it’s Bulk Policy Issuance or real-time claim registration, automation helps us move faster—so you don’t have to wait.

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67% Car Repair Work Approvals Done within 12 Hours

In H2 FY25, our average car repair approval time was 14 hours and 46 minutes, with 67% of approvals completed within 12 hours. Only a few cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency.

Rest assured, we carefully monitor every step to ensure your car is back on the road as swiftly as possible!

Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY'25

The below data is for all the products as given in the table below.

Settled 9.16 Lakh Claims Settled

Settled 9.16 Lakh Claims Settled

That’s how many times we showed up for our customers in FY 2024–25. Behind each of those numbers is a mishap, and we were right there, making sure things got sorted quickly. 

Out of these, nearly ₹6.52 lakh were motor insurance claims alone—proof that we’re there when it matters most, whether it’s something trivial or serious. 

₹4,622 Crore Paid in Claims

₹4,622 Crore Paid in Claims

From minor hiccups to major emergencies, we made sure our customers didn’t have to carry the financial burden alone. Quick settlements, zero confusion, and real peace of mind. 

Of this, ₹2,199 crore was paid out under motor insurance, covering everything from accidents to unexpected situations like rat damage.

99.9950% Claims Accuracy

99.9950% Claims Accuracy

Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.

For Motor Claims, out of 256 escalated claims for Digit, just 124 were motor-related. By year-end, 104 motor claims were closed, with 28 resolved through mediation. Only 26 health claim decisions went in favour of customers.

Ombudsman Complaints for FY 2024-25

The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25. 

LOB Total Claims Paid (in number) Total Claims Amounts Settled Total Complaints that went to Ombudsman Total Complaints where final decision was given Total Complaints Settled via Mediation Total Decisions in favour of Customer
Health (including PA, travel) 2,18,082 ₹1,374.64 Crore 110 86 21 18
Motor(OD + TP, Including theft, PA) 6,51,954 ₹2,199.58 Crore 124 104 28 26
Other LOBs (miscellaneous) 45,642 ₹1,047.34 Crore 22 17 3 3
Grand Total 9,15,678 ₹4,621.56 Crore 256 207 52 47

Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.

Interesting Claim Stories & Insights from Digit Customers

car od tr

A Digit Car Insurance customer received a total loss claim of ₹48.70 Lakh in Mumbai

In a recent case from Mumbai, one of our policyholders experienced a total loss after their private car sustained severe damage. Fortunately, the vehicle was insured, and we processed a claim payout of ₹48.70 lakh. This case highlights the importance of having dependable insurance coverage to stay prepared for life’s unexpected turns.
car tp tr

Digit Settled a third party claim worth ₹ 1.5 crores in Raipur, Chhattisgarh

In a recent case from Raipur, a private car was involved in an accident that tragically resulted in a fatality. While such incidents are deeply distressing, they also bring significant financial and legal responsibilities. Fortunately, the vehicle was covered under our third-party insurance policy, which enabled a compensation payout of ₹1.5 crore to the affected party.

This case highlights the critical importance of third-party liability coverage in motor insurance, offering essential financial protection during life’s most difficult moments.

Flood Damage Claims Cross ₹95 Crore, with ₹3 Crore Settled in Azitnagar

When we think of car insurance, we often imagine accidents or theft. But sometimes, the most significant threats come from nature itself. Azitnagar in the Krishna district, had 529 flood-related claims filed this year, with payouts exceeding ₹3 crore. Across the country, we paid out more than ₹95 crore in flood and inundation claims.
unlucky customer

Seven Accident Claims in One Year on One Car, All Approved

One customer in Patna had a year they won’t forget. Their brand-new Kia Carens was involved in not one, not two, but seven accidents. Six happened while driving, and one happened while the car was parked. It was an actual test of their insurance policy and it passed. Every claim was covered, proving that dependable coverage can make all the difference when things go wrong again and again.

Premium Protection For Premium Vehicles

This year, we received some standout premium payments across different vehicle types. A Ferrari topped the list in the four-wheeler category with a premium of ₹8.04 lakh. In the two-wheeler segment, a Hayabusa was insured with a premium of ₹44,000. And in the commercial vehicle category, a Volvo L150 wheel loader was covered with a premium of ₹3.53 lakh. This highlights how our insurance scales to match the value and purpose of every vehicle, whether it’s built for speed or style
bond number plate

Over 670+ Vehicles Insured with ‘007’ Registration

This year, over 670 vehicles insured with us proudly carried the iconic Bond number “007”. Among them, one standout customer paid a premium of ₹5 lakh. This highlights how our insurance supports unique preferences while ensuring complete coverage.
how to calculate rti in car insurance

How to Calculate RTI in Car Insurance?

When you buy a car, you will be paying for the ‘on-road’ price which includes the ex-showroom price plus the road tax, and then to top it off, the insurance cost, registration charges depending on the class / make of the car. Phew! After all those payments, when your car is totaled, you get back a lesser amount than what you initially paid based on your IDV! We agree, it’s pretty unfair.

This is why, with this Return to Invoice add-on cover, your IDV is the same as the ‘On-Road’ price (a.k.a. the total of all those additional things you paid). 

Simply put, to calculate RTI at the time of claim when your car is stolen or damaged beyond repair, refer to your car’s invoice. It is the amount you’ll receive against RTI add-on.

how much does return to invoice cost

How Much Does Return to Invoice Cost?

Return to Invoice cover is an add-on available with comprehensive and own damage car insurance policies at an additional nominal amount, which is usually 10% more.

For example, you bought a car for ₹15 lakh. You got a comprehensive car insurance policy with premium ₹5000. Now if you purchased the RTI add-on, it would cost an additional 10%, taking your total premium to ₹5500.

What is the Validity of 

Generally, the validity of any add-on is equal to the validity of the insurance plan chosen. Thus, RTI in car insurance is approximately valid for one year. However, depending on the policy and insurer, you can increase or decrease the validity of the policy as well.

Example of RTI in Car Insurance

Here is an example of RTI in insurance to understand better what Return to Invoice cover means in car insurance: 

You purchased a new sedan for ₹10 lakhs, including all taxes and registration fees. After two years, your car is involved in a severe accident and is declared a total loss. Now, here are two situations that can occur at the time of claim:

Case 1: With RTI Cover Case 2: Without RTI Cover
Consider you opted for the Return to Invoice cover.  Consider you don’t have the Return to Invoice cover along with the car insurance policy. 
With RTI cover, you would receive the full ₹10 lakhs, which is the invoice amount, allowing you to replace your car without any financial burden.  Typically, without RTI cover, your car insurance policy would pay the current Insured Declared Value (IDV) at the time of claim, which might be around ₹6 lakhs considering depreciation. 
You did not suffer any financial loss.  You suffered a loss of ₹4 lakhs. 

Who Should Opt for RTI Cover in Car Insurance?

Return to Invoice cover in car insurance is an add-on that offers extra coverage. So, here are group of people that can benefit more from RTI add-on:

New Car Owners

New Car Owners

RTI is the best add-on for new car owners as it is typically available for cars that are less than 3 to 5 years old.
people living in risky areas

People Living in Risky Areas

RTI in car insurance returns you the full invoice amount if the car is stolen or suffers from total loss. Therefore, people living in accident-prone or high theft areas should get this add-on
frequent travelers

Frequent Travelers

If you drive your car frequently, it is at a higher risk of accidents, and in such cases RTI can be very helpful.

How to File RTI Car Insurance Claim with Digit App?

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Login to Your Acount

Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.

Fill in the Details of Accident and Damage.

Provide all the required details related to accident and damage.

Enter your personal details

Enter your personal details and click on ‘Register Claim’ button.

That's it!

our claim has been registered successfully, and you will receive the next steps on your email and WhatsApp.

Which is Better: Return to Invoice vs Zero Depreciation Cover?

Policyholders might often get confused between RTI and Zero Dep add-ons. So, to clarify, here are some key differences between Return to Invoice vs Zero Depreciation that you should be aware of. 

Parameter RTI (Return to Invoice) Zero Depreciation
Suitable for New car owners, car theft or total loss, people living in accident prone areas.  Old car owners, luxury car owners or expensive spare parts, new drivers, people who don’t want small dents on cars. 
Benefit Returns full invoice value of the car in case of total loss or theft.  Ensures you get full claim amount without deducting depreciation on parts. 
Coverage Provides coverage when the car is beyond repair (total loss) or stolen and not recovered.  Covers partial damage and repairs due to accidents, without considering the depreciation of different car parts. 
Eligibility Typically, available for new cars up to 5 years old.   Available for even older cars and is not just limited to new cars. 

Return to Invoice vs IDV (Insured Declared Value)

Here is the difference between Return to Invoice vs IDV in car insurance:

Parameter RTI in Car Insurance IDV in Car Insurance
Meaning  Return to Invoice means an add-on cover in car insurance that pays the invoice value of your car in case of total loss or theft.  IDV is the current market value of the car, and the maximum amount payable in case of total loss or theft of your car. 
Availability  RTI is an add-on cover and is NOT already covered in the standard car insurance plan.  IDV is already included in the standard car insurance plan. 
   
Benefit  Provides financial protection by ensuring you receive the original amount of the car as in your invoice in case of total loss or theft.  It helps determine the maximum claim amount you will receive based on the approximate market value of the car in case of total loss or theft. 
Premium  You need to pay an additional nominal premium to buy RTI cover, which is generally 10% more than the standard car insurance policy.  IDV is already Included in the standard car insurance policy premium, so you need not pay anything extra. 
Applicability  Generally applicable for new cars for up to 5 years from the date of purchase, depending on the insurer.  Applicable for all cars and is determined at the time of policy purchase and  
Renewal  It is valid for a year, so RTI coverage needs to be renewed annually along with the standard insurance plan.  Renewal is based on the car's age, make, model, and approximate market value, and it does not require any additional premium. 

things to keep in mind when buying rti cover

Things to Keep in Mind When Buying RTI Cover

When buying Return to Invoice in car insurance, here are some important points to keep in mind:

  • Return to Invoice cover is typically available for new cars up to 3 years old, so if you own an older car, you might not be able to purchase this add-on. 

  • RTI cover in insurance covers your car only in situations of total loss and theft; other minor damage or repairs are not covered.

  • Since RTI is a car insurance add-on, opting for RTI in insurance will increase your standard car insurance premium by around 10%.

  • Remember that you will need to renew RTI cover annually along with your comprehensive or own damage car insurance policy.

Explain it like I'm five

We're making insurance so simple, now even 5-year-olds can understand it.

A dad has promised his kid a pizza, and they visit a pizza shop to buy him one. The kid selects one for Rs.300, but then goes on to add extra toppings which increases the price to Rs.450. The child eats two slices and gets the rest packed to take home. As the child rushes out in a hurry to meet his dad, the pizza falls from his hand. He’s very disappointed. His dad agrees to buy another pizza for him,and gives him the full Rs.450 instead of Rs.300, so that the kid can buy the entire pizza with his favourite toppings all over again. The dad just Returned to Invoice (RTI) with the pizza.  

FAQs about Return to Invoice Cover in Car Insurance