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IMT-34 — Return to Invoice (RTI)

IMT-34 — Return to Invoice (RTI). The IMT-tariff version of the Return-to-Invoice endorsement, under which, on a Total Loss / CTL / theft, the Company. — DigiSurvey.

What it covers क्या कवर होता है

The IMT-tariff version of the Return-to-Invoice endorsement, under which, on a Total Loss / CTL / theft, the Company settles on the ORIGINAL invoice value of the vehicle (plus first-registration cost + road tax + insurance of the first year, in some variants) instead of the depreciated IDV. Vehicle age typically restricted (≤5 years).

Return-to-Invoice का IMT-tariff version — Total Loss/CTL/theft पर Company घटे IDV के बजाय गाड़ी का ORIGINAL invoice value (कुछ variants में + first-registration cost + road tax + पहले साल का बीमा) पर settle करती है। गाड़ी की उम्र आम तौर पर प्रतिबंधित (≤5 वर्ष)।

Policy wording sample"IMT-34 — Return to Invoice. In consideration of the additional premium charged, it is hereby agreed and declared that in the event of a Total Loss, Constructive Total Loss or theft of the vehicle, the Company shall indemnify the insured on the basis of the invoice value of the vehicle as per the original purchase invoice, together with first-registration cost and road tax paid, less the agreed salvage value and the deductibles applicable."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

For a TL / CTL settlement with IMT-34 (RTI): verify (i) original invoice on file, (ii) first-registration + tax receipts, (iii) vehicle age within the IMT-34 limit, (iv) claim category truly TL / CTL / theft (not a repair claim). The salvage value is still deducted (unless "Without Salvage" is specifically agreed).

IMT-34 (RTI) के साथ TL/CTL settlement में — verify करें (i) file में original invoice, (ii) first-registration + tax receipts, (iii) गाड़ी की उम्र IMT-34 limit में, (iv) claim category सच में TL/CTL/theft (मरम्मत नहीं)। salvage value अभी भी कटती है (जब तक "Without Salvage" specifically agreed न हो)।

Reference material — verify figures against the current IRDAI master circular and quote the actual policy wording in the report.

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