Yes, typically it will cost more to get insurance regardless if was involved in an accident or not because of the category C.

Category C insurance loss means that the vehicle has incurred damage to a value greater than 75% of the total value of the car. In the states we call it a “total loss.” A category C claim can also be called Repairable salvage in the UK and usually applies to vehicles with significant damage where the cost of repairs exceeds the book value.

A category C salvage vehicle can be sold for repair but must have VIC inspection before returning to the road. VIC inspection and re-registration removes the Category C classification, but evidence it was at one time Category C remains on the vehicle's record at the DVLA and so will appear on a vehicle data check.

Here is some background information on the VIC process. In the UK, the Vehicle Identity Check (VIC) was introduced in 2003 to help reduce car crime. It is intended to deter criminals from disguising stolen cars with the identity of written off ones.

When an insurance company ‘writes off’ a car, (Category A, B or C) they notify the Driver and Vehicle Licensing Agency (DVLA) and a VIC marker is placed on the DVLA record. DVLA will not issue a Registration Certificate (V5C) or a Vehicle Licence Reminder (V11) to a car with a VIC marker against it. In order to remove the VIC marker the car needs to be inspected by VOSA to confirm its identity. When the car passes the VIC, the marker is removed.

The VIC does not confirm that a car is roadworthy. The VIC scheme is designed to confirm the identity of the car and does not assess the quality of the repair. The VIC inspector will though note any serious defect which they believe would make the car dangerous to drive. They then will issue a notice which prohibits the car from being used, if the car is repaired and made roadworthy, the prohibition can be removed.