thank you for your response this is very reassuring.

and many thanks for the advice regarding the insurance.

I am eligible to apply to ILR so I have applied for me and my wife however I didn't apply for my UK-born child (now 3 years old) as she will be eligible for registration as a citizen once I get the ILR. her BRP is nearing expiry so do I need to extend her BRP while awaiting my ILR decision? or ...