My brother has had a cat d car (now cat N) insured fully comp with five different companies over 10 years. At no time has he ever been turned down , questioned or had his premium raised as a result. Certainly on Cat D/N it is not an issue. Cat C/S maybe harder.
There are different levels of "write off" I know there is not an issue with cat d/n but it may be different with catc/s and above. but yes it will almost certainly affeffect the payout in the event of total loss as the car is worth less on the market.
Welcome. Patience is a virtue when looking for one of these. Took me 2 and a half years to find mine (mostly because i wanted a colour). Great cars. Owned now for over 4 years and 50k miles. Still love the combination of extreme comfort and extreme grin. Enjoy
I did the same and picked up a complete spare set on ebay and use them/refurb them in rotation. These wheels crack on the inner rims if you just look at them so its always worth having a spare to swap ove should it happen. Theres usually a few on ebay both the occasional sets and individual.