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First documentHow Is IDV Calculated for Electric Cars vs Petrol Vehicles | Generali CentralOpen original ↗
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Second documentHow Often Should You Recalculate Your Car's IDV Before Renewal? | Generali CentralOpen original ↗
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Expert Note
This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.
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Expert Note
This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.
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First paragraph3 words
How Is IDV Calculated Differently for Electric Cars Than Petrol Vehicles?
10 September 2026
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Second paragraph3 words
How Often Should You Recalculate Your Car's IDV Before Renewal?
07 September 2026
First paragraph25 words
What Is the Basic Formula Used to Calculate Car IDV?
● Up to 6 months: 5% depreciation ● 6 months to 1 year: 15% depreciation ● 1 to 2 years: 20% depreciation ● 2 to 3 years: 30% depreciation
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Second paragraph30 words
What Is the Standard Depreciation Schedule Used by Every IDV Calculator?
● Not exceeding 6 months: 5% depreciation ● Exceeding 6 months, up to 1 year: 15% ● Exceeding 1 year, up to 2 years: 20% ● Exceeding 2 years, up to 3 years: 30%
First paragraph60 words
How Is IDV Calculated Differently for Electric Cars Than Petrol Vehicles?
The formula for IDV calculation for electric and petrol cars is similar; price from the showroom, accessories, and depreciation based on age. But electric cars often start with a higher base value, and battery cost adds a layer petrol cars don't have. This guide explains how IDV works for both fuel types and what to compare before choosing a policy.
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Second paragraph31 words
How Is IDV Calculated?
The formula behind every IDV calculator is the same one prescribed under India's motor insurance tariff: IDV = (Manufacturer's listed selling price − Depreciation) + (Cost of non-factory accessories − Depreciation on those accessories)