The linked BBC story :-
tells of a diver who went to 40m in the Red Sea, got a bend then found that her insurance didn't cover her emergency treatment.
Worth checking the small print on your insurance ! There are plenty of wreck dives off our coast that are regularly visited by recreational divers and which are over 30m deep.
Some insurance policies will state a max depth, others state a limit equivalent to your level of training . What is the limit for a PADI Advanced Open Water diver ? 30m ! May be worth thinking about the Deep Diver Specialty if you want to get a certification to a max of 4om.