you dont get a fixed penalty of £200 for no insurance,not on this side of the border anyway.driving without insurance is a read you your rights charge and a later court appearance usually with a minimum of 6-10 points and a couple of hundred quid fine and as you have 6 already id say your licence is looking a little bit at risk.no insurance points stay on your licence for 4 years but the points stop counting after 3 for totting up and you have to declare it your insurance company for 5 years but i cant remember if its from the date of offence or date of conviction. no insurance is one of the most frowned upon offences by the insurance company so expect a large premium hike when your convicted. i was told insurance tends to go up 15% for every 3 points you get and another 25% if you get banned but that was for 4 lesser sp30 offences.the police know exactly when your insurance ran out and who it was with as all the info is now on their database when they do a check.some of your story confuses me though,it seems a bit muddled unfortunately ive learned all this the hard way as well when i was young and silly so i wont preach about right and wrong to you