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Thank you for the question. You foreign licence is valid for 12 months from the dat you came the UK not the date you became resident. Therefore that is why they have used this date and found your insurance to be void. You have done. the right thing by escalating the component to the FOS, I would wait to hear what their result is prior to considering any further action. If you do wish to take legal action and the value of the claim is under £10k, you would use the small claims process.
You can complete the forms for a claims action easily online. You will have to highlight what the issues are and tell them how much you are claiming for, to be honest the first are straight forward and self-explanatory. If you feel you can do this yourself then you don’t really need to hire a solicitor but I will provide details for you in case you feel you want to. You will then receive a response to the claim and a court date. On the day (unless they offer a settlement) you will appear at the local court and basically provide your evidence and give you claim to the judge and they will response. The judge will assess the merits of the claim and defence and make a judgement this should be relatively easy for you to prove so the respondent may well offer a settlement in the meantime.
I hope this information has helped. You can find a local solicitor who deals with this on the law society webpage which is;
If you require any help moving forward on this matter in the future, please do feel free to come back to us and I would be more than happy to assist.
You can argue this, but you will want to take it to the FOS ti is from when you "arrive" in the UK.
You are welcome and I wish you all the best with the matter.