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IDV is the 'sum insured' in the car policy. The term 'IDV' refers to the maximum claim your insurer will pay if your vehicle is damaged beyond repair or is stolen. IDV is the 'sum insured' in the car policy. What Is IDV In Car Insurance? The IDV Value of car or Insured Declared Value for cars is the maximum amount you can get i. 5 days ago · What is IDV in Car Insurance? An IDV (Insured Declared Value) in car insurance is nothing complicated but, refers to the market value of your car. Why is IDV important in Car Insurance? As explained, IDV is the amount that you will get in.