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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, people opt for comprehensive insurance policy but there are different add-ons which can offer you effective cover from total loss. It bridges the gap between the Insured Declared Value (IDV) and the Invoice value of the car.