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RTI or return to invoice cover is essentially an additional option provided by your car insurance provider. 7 days ago · RTI is an add-on option which covers the gap between the Insured Declared Value and the invoice value of the car. What Is RTI In Car Insurance? RTI is an abbreviation for “Return To Invoice”. Protect your vehicle with return to invoice (RTI) car insurance add-on cover that provides you with the full value of vehicle if its totally damaged. Usually, insurance companies withdraw the RTI option once your car reaches a certain age. It bridges the gap between the Insured Declared Value (IDV) and the Invoice value of the car.