you must tell your insurance company if you have had any accidents or receive any points,usually for the previous 5 yrs. if you dont it does make your insurance invalid like you have found out to your cost.of course you will be able to get insurance again,but it will cost you more money,just tell the truth on all the questions asked of you and you should be fine,but never lie to them because it all goes on your file,amd most insurance companies can find out your history.