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Return to Invoice Add-On in Car Insurance (Full Explained)
Return to Invoice Add-On in Car Insurance (Full Explained) Return to Invoice (RTI) is a special car insurance add-on that helps you recover the full invoice price of the car in case of theft or complete damage. Normally, a standard comprehensive policy pays the current IDV value which is always lower than the original invoice price. RTI protects you from this loss. Please wait... 5 s Why normal car insurance is not enough? When your car becomes older, its IDV keeps decreasing every year. If your vehicle gets stolen or completely damaged, you only get the IDV amount, not the full invoice value. This means you lose the difference between invoice price and IDV. Example (Very Simple) Your car price: ₹10,00,000 After 2 years IDV: ₹7,00,000 Car stolen → normal insurance pays ₹7,00,000 RTI add-on → pays close to ₹10,00,000 (including registration & tax) When does RTI apply? Total loss Theft Vehicle burnt completely Accident where repair cost is very high Who should...
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