Just a note that insurance may not cover you if you exceed your highest qualification. E.g. Deco diving or going deeper than certified.
Some insurance policies also have additional clauses such as no deeper than 30m. So do read the fine print to know what you're covered for.
Many dive computers are conservative, so exceeding the NDL doesn't automatically mean a DCS hit. However, there are cases of DCS hits within NDLs ("undeserved hits"). So, it's a good idea not to exceed NDLs unless you know what you are doing.