If your car is stolen or written off, an ordinary policy pays only its IDV, which is lower than what you paid. Return to invoice is an add-on that pays the gap up to the invoice price, and often the road tax and registration you paid, so you can buy the same car again.
Most useful in the first two or three years, when the gap between IDV and the on-road price is largest.
See on-road prices, with registration, road tax and insurance included
Checked against this source on 18 Sep 2026. Every term