BUT I have a really good travelling insurance covering diving (not DAN) and I feel like if an accident should happen, they might not cover.
Well, perhaps the first thing to do is to modify your diving behavior such that you’re in compliance with prudent dive planning and execution principles.
Planning for 30m but going to 40m on multiple dives sounds like plain disregard - a more polite term than “willful negligence” but since you’re thinking in terms of an insurance claim maybe that resonates more.
Here’s a thought - invert your current planning. Plan for 40m but refrain from touching the deck, sticking to the mid-30s and enjoy a few more minutes of ABT.
I don’t recommend a technical course at this time. I think you should stick with recreational diving, enjoy the learning/training journey, bake a little longer in recreational profiles and then pursue a technical course when you have the experience to expand your boundaries from a position of strength.