I phoned my insurers (axa) this morning to see if they would shed some light on the whole catc thing . No problem they said if I swapped my policy for a cat c of the same model and year then there would be no extra charge apart from the usual admin fee . The girl did repeat more times than I could count "just remember to tell us its a cat c so we can note it" .
so in an attempt to dig a bit deeper I asked why that mattered if it didn't alter the policy which got vague non committal replies . Something amiss here me thinks so I put it to her that if insurance would pay 5 grand to repair a 10 grand car how much would they pay to repair the same car if it was already recorded as a cat c , which got something like errr ..... eh.... I don't ..... umm ..... and finally you would have to talk to our claims department about that .
For me that indicates cat c is fine as long as your happy to go with third party only insurance .