Do You Get Your Road Tax Back?
Theft•Dec 15, 2025
When a car is stolen, the check from the insurer usually feels "light." This is because of the gap between the IDV and the On-Road Price.
Standard IDV
₹6.59 Lakhs
Invoice Price
₹9.00 Lakhs
The Unrecoverable Loss
Standard insurance does not refund RTO charges or Road Tax. You essentially paid the government for a 15-year permit, but if your car is stolen in Year 2, you lose that entire tax investment.
The Fix: RTI
Return to Invoice (RTI) bridges this gap. It resets the clock to Day One. I insist on this cover for the first 3 years of any new car to protect that ₹1 Lakh+ road tax bill from vanishing.