Hi,
Something smells fishy here. Or is that a capacitor burning up from over voltage, high frequency AC, or steep rise times?
The fact is that it does not matter what the capacitor is made of. What maters is how the manufacturer rates their components. If they say the voltage is 100 volts and not to go over that, then that's what they mean. If you go over that then you risk product failure at best, possibly a lawsuit.
Ceramic caps are hardy devices but you cant go over the rating. For one thing, if a particular model was made that was found to withstand 150 percent over voltage repeatedly and then the company finds a cheaper way to make the same cap and starts doing that, future end products could start failing on a regular basis.