Motor InsuranceCar InsuranceReturn To Invoice Add On

Return to Invoice in car insurance

Limit your speed, not your coverage — add Return to Invoice to your car insurance

Return to Invoice in car insurance
Renew my policy
6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

Who should opt for RTI coverage in car insurance?

New Car Owners:

New Car Owners:

New Car Owners:

Ensures the full invoice value of the vehicle, including taxes and registration fees, in case of theft or total loss.

Owners of Expensive or Premium Cars:

Owners of Expensive or Premium Cars:

Owners of Expensive or Premium Cars:

Protects against significant financial loss, as the depreciation gap for high-value cars can be substantial.

Owners of Cars Less Than 5 Years Old

Owners of Cars Less Than 5 Years Old

Owners of Cars Less Than 5 Years Old

RTI is typically available for vehicles within this age range since the depreciation impact is most noticeable during the initial years.

People Living in High-Theft Areas:

People Living in High-Theft Areas:

People Living in High-Theft Areas:

Especially beneficial for those in regions where car theft rates are higher.

Loan Borrowers

Loan Borrowers

Loan Borrowers

Ideal for those financing their car through a loan, as RTI ensures the full invoice amount, helping to cover outstanding loan balances in case something happens to the vehicle in the loan term.

New Car Owners:

New Car Owners:

New Car Owners:

Ensures the full invoice value of the vehicle, including taxes and registration fees, in case of theft or total loss.

Owners of Expensive or Premium Cars:

Owners of Expensive or Premium Cars:

Owners of Expensive or Premium Cars:

Protects against significant financial loss, as the depreciation gap for high-value cars can be substantial.

Owners of Cars Less Than 5 Years Old

Owners of Cars Less Than 5 Years Old

Owners of Cars Less Than 5 Years Old

RTI is typically available for vehicles within this age range since the depreciation impact is most noticeable during the initial years.

People Living in High-Theft Areas:

People Living in High-Theft Areas:

People Living in High-Theft Areas:

Especially beneficial for those in regions where car theft rates are higher.

Loan Borrowers

Loan Borrowers

Loan Borrowers

Ideal for those financing their car through a loan, as RTI ensures the full invoice amount, helping to cover outstanding loan balances in case something happens to the vehicle in the loan term.

What are the benefits of RTI cover?

Compensation based on the full invoice value

Compensation based on the full invoice value

Compensation based on the full invoice value

RTI pays you the original invoice price of your car, including road tax and registration charges, if the vehicle is stolen or damaged beyond repair.
Protection from depreciation loss

Protection from depreciation loss

Protection from depreciation loss

Over time, a car loses value due to depreciation. RTI helps bridge the gap between the reduced Insured Declared Value (IDV) and the car’s original purchase price.
Better financial protection

Better financial protection

Better financial protection

In case of a total loss, RTI ensures you receive a higher claim amount. This reduces the financial burden and helps you recover more comfortably.
Highly suitable for new and expensive cars

Highly suitable for new and expensive cars

Highly suitable for new and expensive cars

The difference between the invoice value and IDV is usually higher for new or high-value vehicles. RTI cover is especially useful in such cases.
Coverage in case of total theft

Coverage in case of total theft

Coverage in case of total theft

If your car is stolen and not recovered, RTI compensates you based on the original invoice amount instead of the depreciated value.
Compensation based on the full invoice value

Compensation based on the full invoice value

Compensation based on the full invoice value

RTI pays you the original invoice price of your car, including road tax and registration charges, if the vehicle is stolen or damaged beyond repair.
Protection from depreciation loss

Protection from depreciation loss

Protection from depreciation loss

Over time, a car loses value due to depreciation. RTI helps bridge the gap between the reduced Insured Declared Value (IDV) and the car’s original purchase price.
Better financial protection

Better financial protection

Better financial protection

In case of a total loss, RTI ensures you receive a higher claim amount. This reduces the financial burden and helps you recover more comfortably.
Highly suitable for new and expensive cars

Highly suitable for new and expensive cars

Highly suitable for new and expensive cars

The difference between the invoice value and IDV is usually higher for new or high-value vehicles. RTI cover is especially useful in such cases.
Coverage in case of total theft

Coverage in case of total theft

Coverage in case of total theft

If your car is stolen and not recovered, RTI compensates you based on the original invoice amount instead of the depreciated value.

Advantages of RTI add-on cover

Higher claim amount in total loss

Higher claim amount in total loss

RTI allows you to receive compensation closer to the original purchase price instead of the reduced market value.

Covers depreciation impact

Covers depreciation impact

Since cars lose value quickly, this add-on helps manage the financial difference caused by depreciation.

Useful for new vehicles

Useful for new vehicles

RTI is most beneficial in the initial years of ownership when the drop in value is higher.

Better financial planning

Better financial planning

The higher payout makes it easier to replace the car without major financial stress.

How to buy return to invoice car insurance online from Zurich Kotak General Insurance?

1

Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page

2

Fill in your car details such as registration number, model, make etc.

3

Fill in you personal details and make the payment online.

How to download return to invoice car insurance policy?

Losing your return to invoice car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
1

Click on the link

2

Enter your policy number

3

Enter your registered mobile number Or your registered email Id

4

Click on Get OTP

5

Type the OTP and click on download car insurance policy document

Return to invoice car insurance claim settlement at Zurich Kotak General Insurance

1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and inform us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
6
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

Cashless garages near you

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

FAQs Return to invoice (RTI) cover

Questions you may have about Zurich Kotak General Insurance

Return to invoice (RTI) cover is an additional feature that can be added to a car insurance policy. It ensures that you are reimbursed the original purchase price of your vehicle in the event of a total loss or theft, rather than the depreciated value.

If your insured vehicle is declared a total loss or is stolen and not recovered, you will be paid the original purchase price of the vehicle as stated on the invoice. This helps you to replace the vehicle without suffering a financial loss due to depreciation.

Return to invoice add-on cover is usually available for new or recently purchased vehicles.

The time limit is typically available within a certain period from the vehicle's purchase date, usually ranging from 1 to 6 months. It is best to add this cover at the time of purchasing the insurance policy.

Yes, there may be certain conditions and limitations with return to invoice add-on cover. These can include exclusions for certain types of losses or damages, requirements for the vehicle to be insured for its full invoice price and restrictions on the age or condition of the insured vehicle. It's important to thoroughly read and understand the terms and conditions of the policy.

Yes, return to invoice add-on cover typically increases the premium cost of your car insurance policy. However, the added financial protection and peace of mind in case of a total loss or theft can outweigh the higher premium cost.

Zurich Kotak General Insurance offers a seamless RTI claim process, and extensive coverage, ensuring customers get the full invoice value with added peace of mind.

Zurich Kotak General Insurance provides tailored insurance solutions, a transparent claims process, and a robust customer support team to address all your queries efficiently.

With Zurich Kotak General Insurance, you get a simplified claim process, quick settlements, and expert assistance at every step, backed by our extensive network of partner garages and customer care services.

RTI is available as an add-on for Zurich Kotak motor insurance policies, subject to eligibility criteria like vehicle age and policy terms.

Zurich Kotak General Insurance’s RTI cover includes reimbursement of road tax, registration charges, and invoice value, along with value-added customer support and guidance throughout the claim process.

You can add RTI cover when purchasing or renewing your motor insurance policy online or by contacting Zurich Kotak General Insurance’s customer care.