Some insurance companies just dont like Cat Cs, probably due to the fact its difficult to place an accurate value on them and you cant really blame them for wanting an independant assurance the repairs are sound, MOTs are not an indication of a vehicles overall condition and the MOT system itself is far from foolproof!!
At the end of the day you have to except their terms and conditions but if you are not happy the answer seems simple enough to me. Excersise your right to vote with your feet and find someone who is more comfortable about the situation and give them your business.
Never a good idea to withold info from your insurer, technicaly its fraud and if it came to the crunch they might start digging and would be within rights to withdraw cover if it could be proved you have knowingly been economical with the truth............ Besides which they will know your car is a Cat C as soon as you give them its reg and they check it out on the database.
As for not knowing its a Cat C yourself, well wasnt it good job you took time to make your own enquiries, 1000s dont and go on to get a nasty surprise when the fact does come to light.
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