So it's got a little crack. It's moved a little, as conservatories often do. It isn't going to fall down, and it isn't worth spending time and especially money (other than a bit of filler) sorting. It really, really isn't. You certainly don't want to approach insurance - you'll just end up paying higher premiums, there's nothing to chase the neighbours for, and it would be pointless spending £££ taking it down and rebuilding, so it is what it is. It doesn't stop you using the conservatory. It'll most likely still be just the same in 10 years time.
It depends on which part of the country you live in. External DPC's in the West country are often laid directly on the brickwork. NHBC regs allow this up to 3 storeys in height. Most places bed the DPC, although it can look rough if not done properly.
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