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Car IDV Calculator
Find the IDV insurers use for theft and total-loss claims.
Car IDV Calculator
Insured Declared Value (IDV)30% depreciation for a 30-month-old vehicle
| Vehicle age | Depreciation |
|---|---|
| Up to 6 months | 5% |
| 6 months – 1 year | 15% |
| 1 – 2 years | 20% |
| 2 – 3 years | 30% |
| 3 – 4 years | 40% |
| 4 – 5 years | 50% |
| Over 5 years | Mutually agreed |
IDV is the maximum paid for theft or total loss and drives your own-damage premium. A lower IDV cuts the premium but also the claim — choose close to the actual market value.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.