ok, so you don't declare them
you get insured
you have a prang
they ask to see your license
they see that you have points on it
that wern't disclosed at the time you took out the policy
they send you a letter telling you no insurance
you foot the bill
you get done for no insurance
you get poitns for no insurance
you may get a criminal record for the accident
the next time you go to apply for any sort of insurance, they will not only ask you about any previous times you've been declined insruance, but they'll also know if you are lying

so between paying out an extra couple of quid or saving a few bob and hoping, i'd rather pay