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IDV - IDV stands for Insured Declared Value and is nothing but the market value of your vehicle. What is IDV in Two Wheeler Insurance? IDV or Insured Declared Value is the maximum Sum Assured fixed by the insurer that is provided on theft or total loss of. What is IDV in Two Wheeler Insurance? · IDV Calculator for Two Wheelers · Rate of. Insurance Declared Value (IDV) is the maximum sum insured, which is provided to you in case of any theft or total loss of your vehicle. What is IDV? Insured Declared Value is the total value of the insured vehicle by the insurer to compensate the policy holder with in case of. IDV or Insurance Declared Value plays a key role in chalking out the maximum sum assured in case of theft or damage of your two-wheeler.