{"id":17846,"date":"2026-07-14T04:43:26","date_gmt":"2026-07-14T11:13:26","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=17846"},"modified":"2026-07-17T05:29:07","modified_gmt":"2026-07-17T11:59:07","slug":"idv-in-insurance","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/idv-in-insurance\/","title":{"rendered":"IDV in Insurance: Meaning, Formula &amp; How It Affects Your Claim\u00a0"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#What_is_IDV_in_Insurance\" >What is IDV in Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#What_is_IDV_in_Car_Insurance\" >What is IDV in Car Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#How_is_IDV_Calculated\" >How is IDV Calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#How_Does_IDV_Value_Affect_Your_Insurance_Premium\" >How Does IDV Value Affect Your Insurance Premium?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#What_Happens_if_IDV_is_Too_Low\" >What Happens if IDV is Too Low?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#IDV_vs_Market_Value_What_is_the_Difference\" >IDV vs Market Value: What is the Difference?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#What_Factors_Affect_IDV\" >What Factors Affect IDV?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#How_to_Choose_the_Right_IDV\" >How to Choose the Right IDV?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#What_is_the_Difference_Between_IDV_and_Sum_Insured\" >What is the Difference Between IDV and Sum Insured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#Does_IDV_Reduce_Every_Year\" >Does IDV Reduce Every Year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#Final_Thoughts\" >Final Thoughts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/#IDV_in_Insurance_FAQs\" >IDV in Insurance: FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<nav style=\"--separator: &quot;\/&quot;\" class=\"wp-block-breadcrumbs\" aria-label=\"Breadcrumbs\"><ol><li><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/li><li><a href=\"https:\/\/shoonya.com\/blog\/general\/\">General<\/a><\/li><li><span aria-current=\"page\">IDV in Insurance: Meaning, Formula &amp; How It Affects Your Claim\u00a0<\/span><\/li><\/ol><\/nav>\n\n\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Bricolage+Grotesque:opsz,wght@12..96,400;12..96,600;12..96,700;12..96,800&amp;family=Figtree:ital,wght@0,300;0,400;0,500;0,600;1,400&amp;display=swap\" rel=\"stylesheet\">\n<style>\n  :root {\n    --forest:   #082F24;\n    --spring:   #02EE77;\n    --mustard:  #EFA145;\n    --reddish:  #AA573D;\n    --white:    #FFFFFF;\n    --fresh:    #EEFFF2;\n    --bg:       #FAFAF8;\n    --surface:  #FFFFFF;\n    --text:     #1C2B24;\n    --muted:    #5A6B62;\n    --border:   #E2EDE6;\n    --green:    #1A6B40;\n  }\n  * { box-sizing: border-box; margin: 0; padding: 0; }\n  html { scroll-behavior: smooth; }\n  body { font-family: 'Figtree', sans-serif; background: var(--bg); color: var(--text); font-size: 17px; line-height: 1.8; }\n\n  \/* LAYOUT *\/\n  .blog-wrap { max-width: 100%; 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display: grid; place-items: center; }\n  .step-item h3 { margin-top: 0; margin-bottom: 6px; font-size: 16px; }\n  .step-item p { margin-bottom: 0; font-size: 15px; color: var(--muted); }\n\n  \/* INLINE LINKS *\/\n  .prose a, .callout-body a, .faq-item a, .disclaimer a {\n    color: var(--forest);\n    font-weight: 600;\n    text-decoration: underline;\n    text-decoration-color: var(--mustard);\n    text-underline-offset: 3px;\n    transition: color 0.15s, text-decoration-color 0.15s;\n  }\n  .prose a:hover, .callout-body a:hover, .faq-item a:hover, .disclaimer a:hover { color: var(--reddish); text-decoration-color: var(--reddish); }\n\n  \/* DIVIDER *\/\n  hr.divider { border: none; border-top: 1px solid var(--border); margin: 48px 0; }\n\n  \/* FAQ *\/\n  .faq-item { border-bottom: 1px solid var(--border); padding: 22px 0; }\n  .faq-item:last-child { border-bottom: none; }\n  .faq-item h3 { font-family: 'Bricolage Grotesque', sans-serif; font-size: 16px; font-weight: 700; color: var(--forest); margin-bottom: 8px; display: flex; gap: 10px; margin-top: 0; }\n  .faq-item h3::before { content: 'Q.'; color: var(--mustard); font-weight: 800; flex-shrink: 0; }\n  .faq-item p { font-size: 15px; color: var(--muted); margin-bottom: 0; padding-left: 28px; }\n\n  \/* FINAL CTA *\/\n  .final-cta { background: var(--forest); border-radius: 16px; padding: 40px; margin: 56px 0 32px; text-align: center; }\n  .final-cta h3 { font-family: 'Bricolage Grotesque', sans-serif; font-size: 22px; font-weight: 800; color: var(--white); margin-bottom: 24px; letter-spacing: -0.3px; }\n  .final-pills { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-bottom: 28px; }\n  .final-pill { background: rgba(239,161,69,0.12); border: 1px solid rgba(239,161,69,0.3); color: var(--mustard); font-size: 13px; font-weight: 600; padding: 7px 16px; border-radius: 20px; }\n  .final-cta a { display: inline-flex; background: var(--mustard); color: var(--forest); font-family: 'Bricolage Grotesque', sans-serif; font-weight: 800; font-size: 15px; padding: 14px 32px; border-radius: 8px; text-decoration: none; transition: opacity 0.15s; }\n  .final-cta a:hover { opacity: 0.9; }\n\n  \/* DISCLAIMER *\/\n  .disclaimer { font-size: 12px; color: var(--muted); line-height: 1.7; padding: 16px 20px; background: #F4F4F0; border-radius: 8px; border: 1px solid #E4E4DC; margin: 16px 0; }\n\n  @media (max-width: 640px) {\n    table { font-size: 13px; }\n  }\n<\/style>\n\n\n\n<div class=\"blog-wrap\">\n  <div class=\"prose\">\n\n    <p>When renewing vehicle insurance, most people first check one thing: &#8220;Kitna premium lagega?&#8221; But a lower premium does not always tell the full story.<\/p>\n    <p>Another important factor that determines how much your vehicle is insured for is IDV. If your car is stolen or damaged beyond repair, the claim amount is usually linked to this value.<\/p>\n    <p>So, choosing a very low IDV may save some premium today, but it can reduce your claim amount later. In this guide, we explain what IDV means, how it is calculated, why it matters, and how to choose the right IDV for your vehicle.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_is_IDV_in_Insurance\"><\/span>What is IDV in Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <div class=\"definition-box\">\n      <div class=\"def-label\">Definition<\/div>\n      <p><strong>IDV stands for Insured Declared Value.<\/strong> It represents the estimated current market value of your vehicle as declared in the insurance policy. This value is calculated by applying depreciation based on the vehicle&#8217;s age.<\/p>\n    <\/div>\n\n    <p>For example, if your car&#8217;s IDV value is \u20b98 lakh and it gets stolen, the insurer may settle the claim based on this amount, subject to policy terms and applicable deductions.<\/p>\n    <p>So, IDV is important because it helps decide how much financial protection your vehicle insurance policy provides.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_is_IDV_in_Car_Insurance\"><\/span>What is IDV in Car Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>IDV (Insured Declared Value) is the current market value of your car and the maximum amount your insurer will pay if your vehicle is stolen or declared a total loss.<\/p>\n    <p>IDV is an important part of your car insurance because:<\/p>\n    <ul>\n      <li>It determines the maximum claim amount in case of theft or total loss.<\/li>\n      <li>A higher IDV usually means a higher insurance premium, while a lower IDV reduces both your premium and claim payout.<\/li>\n      <li>If the repair cost exceeds around 75% of the IDV, the insurer may declare the vehicle a total loss and settle the claim accordingly.<\/li>\n    <\/ul>\n\n    <div class=\"callout callout-note\">\n      <span class=\"callout-icon\">\ud83d\udccc<\/span>\n      <div class=\"callout-body\">\n        <div class=\"callout-label\">Note<\/div>\n        <p>Before choosing a policy, don&#8217;t just compare the IDV. Also check the insurer&#8217;s Claim Settlement Ratio (CSR) to understand how efficiently they settle claims and how reliable they are when you need financial support.<\/p>\n      <\/div>\n    <\/div>\n\n    <h2><span class=\"ez-toc-section\" id=\"How_is_IDV_Calculated\"><\/span>How is IDV Calculated?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>IDV is calculated by reducing depreciation from the vehicle&#8217;s listed selling price.<\/p>\n    <p>The formula for IDV is as follows:<\/p>\n\n    <div class=\"definition-box\">\n      <div class=\"def-label\">Formula 1 \u2014 Standard Vehicle<\/div>\n      <p><strong>IDV = Manufacturer&#8217;s Listed Selling Price \u2212 Depreciation<\/strong><\/p>\n    <\/div>\n\n    <div class=\"definition-box\">\n      <div class=\"def-label\">Formula 2 \u2014 Vehicle with Additional Accessories<\/div>\n      <p><strong>IDV = (Manufacturer&#8217;s Listed Selling Price \u2212 Depreciation) + (Cost of accessories \u2212 Depreciation of the accessories)<\/strong><\/p>\n    <\/div>\n\n    <p>The depreciation rate depends on the vehicle&#8217;s age. As the vehicle gets older, its IDV usually decreases.<\/p>\n\n    <h3>IDV Depreciation Rate Chart<\/h3>\n\n    <div class=\"table-wrap\">\n      <table>\n        <thead>\n          <tr>\n            <th>Age of Vehicle<\/th>\n            <th>Depreciation Rate<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Up to 6 months<\/td><td>5%<\/td><\/tr>\n          <tr><td>6 months to 1 year<\/td><td>15%<\/td><\/tr>\n          <tr><td>1 year to 2 years<\/td><td>20%<\/td><\/tr>\n          <tr><td>2 years to 3 years<\/td><td>30%<\/td><\/tr>\n          <tr><td>3 years to 4 years<\/td><td>40%<\/td><\/tr>\n          <tr><td>4 years to 5 years<\/td><td>50%<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <p>For vehicles older than 5 years, the IDV is usually decided through mutual agreement between the insurer and the policyholder.<\/p>\n\n    <h3>IDV Calculation Example<\/h3>\n\n    <p>Suppose your car&#8217;s listed selling price is \u20b910,00,000 and it is 2 years old. As per the depreciation chart, the applicable depreciation rate is 20%.<\/p>\n\n    <div class=\"example\">\n      <div class=\"example-label\">IDV Calculation Example<\/div>\n      <div class=\"example-row\"><span class=\"label\">Listed selling price<\/span><span class=\"value\">\u20b910,00,000<\/span><\/div>\n      <div class=\"example-row\"><span class=\"label\">Depreciation (20%)<\/span><span class=\"value\">\u20b92,00,000<\/span><\/div>\n      <div class=\"example-row\"><span class=\"label\">Estimated IDV<\/span><span class=\"value\">\u20b98,00,000<\/span><\/div>\n    <\/div>\n\n    <h2><span class=\"ez-toc-section\" id=\"How_Does_IDV_Value_Affect_Your_Insurance_Premium\"><\/span>How Does IDV Value Affect Your Insurance Premium?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>IDV directly affects the premium you pay for your vehicle insurance policy. A higher IDV generally results in a higher premium because the insurer may have to pay a larger claim amount in the event of theft or a total loss. Similarly, a lower IDV can reduce the premium but may also reduce the claim amount.<\/p>\n\n    <div class=\"table-wrap\">\n      <table>\n        <thead>\n          <tr>\n            <th>IDV Level<\/th>\n            <th>Impact on Premium<\/th>\n            <th>Impact on Claim Amount<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Higher IDV<\/td><td>Higher Premium<\/td><td>Higher Claim Potential<\/td><\/tr>\n          <tr><td>Lower IDV<\/td><td>Lower Premium<\/td><td>Lower Claim Potential<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_Happens_if_IDV_is_Too_Low\"><\/span>What Happens if IDV is Too Low?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>Selecting a very low IDV may lower your insurance premium, but it can also reduce the financial protection available under the policy. If your vehicle is stolen or declared a total loss, the claim settlement will generally be based on the policy&#8217;s IDV.<\/p>\n    <p>Potential drawbacks of a low IDV include:<\/p>\n    <ul>\n      <li>Reduced claim settlement<\/li>\n      <li>Lower financial protection<\/li>\n      <li>Higher out-of-pocket expenses when replacing the vehicle<\/li>\n      <li>Risk of underinsurance<\/li>\n    <\/ul>\n\n    <h2><span class=\"ez-toc-section\" id=\"IDV_vs_Market_Value_What_is_the_Difference\"><\/span>IDV vs Market Value: What is the Difference?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>IDV is the insured value of the vehicle mentioned in the insurance policy. Market value is the approximate resale value of the vehicle in the open market.<\/p>\n\n    <div class=\"table-wrap\">\n      <table>\n        <thead>\n          <tr>\n            <th>Basis<\/th>\n            <th>IDV<\/th>\n            <th>Market Value<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Meaning<\/td><td>Insured value of the vehicle<\/td><td>Resale value of the vehicle<\/td><\/tr>\n          <tr><td>Used for<\/td><td>Insurance premium and claims<\/td><td>Buying or selling the vehicle<\/td><\/tr>\n          <tr><td>Decided by<\/td><td>Insurer, based on depreciation<\/td><td>Market demand, condition, model, and usage<\/td><\/tr>\n          <tr><td>Claim impact<\/td><td>Directly affects total loss\/theft claim<\/td><td>Does not directly decide claim amount<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_Factors_Affect_IDV\"><\/span>What Factors Affect IDV?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>Vehicle&#8217;s IDV is determined by its age, model, variant, listed selling price, features, and registration location. Here are the key factors that affect IDV:<\/p>\n    <ul>\n      <li><strong>Vehicle age:<\/strong> Older vehicles usually have lower IDV due to depreciation.<\/li>\n      <li><strong>Manufacturer&#8217;s listed price:<\/strong> IDV is based on the listed selling price of the vehicle.<\/li>\n      <li><strong>Vehicle model and variant:<\/strong> Higher-value models generally have higher IDV.<\/li>\n      <li><strong>Registration location:<\/strong> Some insurers may consider location-based factors.<\/li>\n      <li><strong>Fuel type and features:<\/strong> Variant, engine type, and specifications may affect value.<\/li>\n      <li><strong>Policy renewal year:<\/strong> IDV generally reduces each year as the vehicle ages.<\/li>\n    <\/ul>\n\n    <h2><span class=\"ez-toc-section\" id=\"How_to_Choose_the_Right_IDV\"><\/span>How to Choose the Right IDV?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>The right IDV should be close to your vehicle&#8217;s current value. Avoid choosing a very low IDV solely to reduce your premium, as it may result in a lower claim amount in the event of theft or total loss. At the same time, choosing an unnecessarily high IDV may increase your premium.<\/p>\n    <p>Before selecting IDV, check:<\/p>\n    <ul>\n      <li>Your vehicle&#8217;s age<\/li>\n      <li>Current estimated market value<\/li>\n      <li>Premium difference<\/li>\n      <li>Coverage requirement<\/li>\n      <li>Claim protection needed<\/li>\n    <\/ul>\n    <p>Choosing an IDV that closely reflects your vehicle&#8217;s current value can help balance premium costs and financial protection.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_is_the_Difference_Between_IDV_and_Sum_Insured\"><\/span>What is the Difference Between IDV and Sum Insured?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>Although both terms relate to insurance coverage, they are not the same.<\/p>\n\n    <div class=\"table-wrap\">\n      <table>\n        <thead>\n          <tr>\n            <th>Basis<\/th>\n            <th>IDV<\/th>\n            <th>Sum Insured<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Meaning<\/td><td>Insured value of a vehicle<\/td><td>Maximum coverage amount under an insurance policy<\/td><\/tr>\n          <tr><td>Applicable To<\/td><td>Motor insurance<\/td><td>Health, life, travel, and other insurance policies<\/td><\/tr>\n          <tr><td>Purpose<\/td><td>Determines vehicle claim value<\/td><td>Determines overall policy coverage<\/td><\/tr>\n          <tr><td>Calculation<\/td><td>Based on vehicle value and depreciation<\/td><td>Chosen or fixed as per policy terms<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <h2><span class=\"ez-toc-section\" id=\"Does_IDV_Reduce_Every_Year\"><\/span>Does IDV Reduce Every Year?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>Yes, IDV generally decreases every year because vehicles lose value over time due to depreciation. As a vehicle gets older, its market value usually declines, and insurers apply depreciation accordingly while calculating IDV. This is one reason why insurance premiums for older vehicles are often lower than those for newer vehicles.<\/p>\n    <p>However, the actual reduction may vary depending on the vehicle&#8217;s age, insurer guidelines, and applicable depreciation rates.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span>Final Thoughts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <p>IDV, or Insured Declared Value, is one of the most important factors in vehicle insurance because it directly affects both your premium and the claim amount you may receive in case of theft or total loss.<\/p>\n    <p>When buying or renewing a policy, choose an IDV that reasonably reflects your vehicle&#8217;s current value. This can help balance premium costs while ensuring adequate financial protection when you need it most.<\/p>\n\n\n\n    <h2><span class=\"ez-toc-section\" id=\"IDV_in_Insurance_FAQs\"><\/span>IDV in Insurance: FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <div class=\"faq-item\">\n      <h3>What happens if IDV is too low?<\/h3>\n      <p>A low IDV may reduce your insurance premium, but it can also reduce the claim amount you may receive if your vehicle is stolen or declared a total loss.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>How much IDV is good for a car?<\/h3>\n      <p>An IDV that is close to your vehicle&#8217;s current market value is generally considered appropriate. This can help balance premium costs and insurance coverage.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>Is it mandatory to reduce IDV every year?<\/h3>\n      <p>IDV usually decreases as a vehicle ages because depreciation increases over time. However, the exact reduction depends on the insurer&#8217;s valuation and applicable depreciation rates.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>Can I increase my IDV from last year?<\/h3>\n      <p>Yes, you can increase the IDV compared to last year, but only when purchasing a new policy or renewing your existing one.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>What is the IDV rule of IRDAI?<\/h3>\n      <p>IRDAI requires insurers to calculate IDV in accordance with the prescribed depreciation-based guidelines. For vehicles older than 5 years, the IDV may be determined by mutual agreement between the insurer and the policyholder.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>Does IDV reduce every year?<\/h3>\n      <p>Yes, IDV generally decreases each year because vehicles depreciate over time.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>What is the difference between IDV and market value?<\/h3>\n      <p>IDV is the insured value of a vehicle used for insurance claims, while market value is the estimated resale value of the vehicle in the open market.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>Is a higher IDV always better?<\/h3>\n      <p>Not necessarily. A higher IDV may increase your claim amount in total loss or theft cases, but it can also increase your insurance premium. The ideal IDV should reasonably reflect your vehicle&#8217;s current value.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>How can I check my vehicle&#8217;s IDV?<\/h3>\n      <p>You can check your vehicle&#8217;s IDV using an online IDV calculator provided by insurers or insurance comparison platforms. The estimate is usually based on your vehicle&#8217;s age, model, and depreciation.<\/p>\n    <\/div>\n\n  \n\n    <div class=\"disclaimer\">\n      <strong>Disclaimer:<\/strong> This content is for education and awareness purposes only and should not be considered investment advice or a recommendation. Investments in securities markets are subject to market risks. Read all the related documents carefully before investing.\n    <\/div>\n\n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When renewing vehicle insurance, most people first check one thing: &#8220;Kitna premium lagega?&#8221; But a lower premium does not always tell the full story. Another important factor that determines how much your vehicle is insured for is IDV. If your car is stolen or damaged beyond repair, the claim amount is usually linked to this &hellip; <a href=\"https:\/\/shoonya.com\/blog\/idv-in-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;IDV in Insurance: Meaning, Formula &amp; How It Affects Your Claim\u00a0&#8220;<\/span><\/a><\/p>\n","protected":false},"author":17,"featured_media":17847,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[2241],"tags":[10239,10233,10230,10231,10235,10236,10237,10232,10241,10234,10229,10240,10238],"class_list":["post-17846","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","tag-full-form-of-idv-in-insurance","tag-idv","tag-idv-calculator","tag-idv-full-form","tag-idv-full-form-in-insurance","tag-idv-in-insurance-meaning","tag-idv-in-insurance-means","tag-idv-means","tag-insured-declared-value-idv","tag-what-is-idv-in-car-insurance","tag-what-is-idv-in-insurance","tag-what-is-insured-declared-value","tag-what-is-vehicle-idv"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is IDV in Insurance? 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