test: add insurance-claim guard past limit test - #2361
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Add test for timestamp > due_date boundary condition to complete coverage of insurance-claim guard (within, at, past limit). Closes QuickLendX#2101
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Add test for insurance-claim guard past limit boundary condition.
This test completes coverage of the insurance-claim guard by verifying that
insurance opt-in is rejected when
timestamp > due_date. Combined with theexisting test, this covers all three boundary conditions:
Closes #2101