Your only have to declare the ban/points if your insurance company asks for last 5 years.

But if you have had all your points/ban removed after 4 years from your license then i dont see how they can do that?!?!?!

I got banned over a year ago for 3 months for collecting too many points in 3 years and i'm gettin raped for my insurance now

23, 2 years NCB, Ford Fiesta Zetec-S 51 plate = £1500