Return-to-Invoice Gap Calculator

The gap between your IDV and the invoice value that RTI cover would fill.

Runs in your browser — nothing is stored Rules checked: October 2026 No sign-up, no phone number

Why there is a gap at all

IDV starts at the ex-showroom price and immediately drops by 5% to 15% in the first year. It also leaves out registration and road tax, which can add 8% to 15% (or more) to what you paid. If a new car is stolen or written off, the IDV payout can be lakhs short of the cost of replacing it. Return-to-Invoice (RTI) — sometimes called invoice cover — pays that difference.

What RTI pays

On a total loss, constructive total loss or theft, RTI pays the difference between the IDV and the invoice value, usually including registration and road tax. Some insurers also include the first-year insurance premium; others do not. It does nothing for ordinary repair claims.

Example

An SUV with an ex-showroom price of ₹9,00,000 and ₹95,000 of registration and road tax is stolen at 14 months old. The IDV is ₹7,20,000 (20% depreciation). With RTI the claim rises to about ₹9,95,000 — an extra ₹2,75,000.

FAQs

Until what age can I buy RTI?

Most insurers offer it for vehicles up to three years old; a few allow up to five. It is easiest to take with the first policy and renew it each year.

Is RTI worth it on a bike?

For expensive and theft-prone two-wheelers, yes — the add-on is cheap. For an entry-level commuter, the rupee gap is smaller and the decision is closer.