any car on v-car whether cat c or d will in theory be cheaper in price than clean car. insurance cove ris no different but the difference comes in the event of (another) total loss claim, they will pay out pennies on the vehicle as its already been a total loss once so is regarded as scrap. i know of someone who got paid out circa 2.5 for a vehicle with a "clean" value of 7k so beware.
on another note though you DON'T by law have to state when selling vehicle thats its a total loss-this applies to the trade also,caveat emptor comes into play(ie buyer beware!), you only have to say if directly asked by purchaser. i always used to tell people and mark it on receipt to cover my own arse but i know of at least one trader who shifts a lot of recorded ones and won;t say anything as the law is on his side unfortunately(you can check trading standards website on this).
cat-c cars now do as a rule in the last 12 months now have it on front of logbook but cat-d's don't.
hth
Tricky