Insured Declared Value (IDV)
The term IDV in bike insurance is the
approximate market cost of your two-wheeler. It is the base value used to
calculate the premium of your Comprehensive insurance plan. Suppose your bike
or scooter is considered a ‘total loss’ after an accident or in case it is
stolen. During such circumstances, the compensation amount is equal to the IDV
after considering the required deductible and depreciation.
Remember, the higher the IDV, the
higher the premium and the lower the IDV, the lower the premium. However, it is
recommended that you choose the right IDV for the right compensation, and not
base your decision solely on the premium.
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