Thank you sadly, it really doesn't matter what the other party are claiming for, if you have been in the UK with a foreign driving licence and have been driving for more than 12 months then you licence is likely expired. If that is the case, then driving with an expired licence would automatically void your insurance. You are usually required to take a driving test after a period of 12 months so if you have not done that they will not pay out as your insurance will be void. If you feel that is not the case, you can look at escalating the matter to the insurance ombudsman.
I hope this information proved helpful. You will find a local solicitor who deals with these matters on the law society webpage which is as follows;
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