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What is Insured Declared Value (IDV)? The term 'IDV' refers to the maximum claim your insurer will pay if your vehicle is damaged beyond repair or is stolen. Insured Declared Value (IDV) is the maximum Sum Assured fixed by the insurer which is. IDV: All about Insured Declared Value in car insurance. 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. 3 days ago · What is IDV in Bike Insurance? Insured Declared Value is what your bike is valued at in the market, after calculating the depreciation on it. Insured's Declared Value (IDV) as per India Motor Tariff 2002; GR- 8: “The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM.