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Offences count on your licence for three years from date of offence and show on your licence for four. Most insurance companies require declaration for five years.
Most don't know you have points until you try to claim when they will check your licence.
If they then discover you have points two actions are possible:
Some insurers will refuse to recover a driver with six points or more and will refuse to indemnify (pay out) on the grounds that they would not have accepted the risk had they been informed of it. Others (who will insure a driver with 6 points) will pay out but will want the uplift in premium for the price you would have paid for the period they have been covering you.
Most insurance proposals will raise the issue of whether you have *ever* been refused insurance or had a policy cancelled and will weight the risk accordingly. In many cases this will have been recorded on the vatious insurers and underwriters anti-fraud and information exchange databases.
The best move for you would be to locate the date of the offence and then challenge them on the facts or go through their appeals/complaints procedure to challenge the cancellation. If they are wrong on the facts - ie you did not have points that you should have declared it may be a case for the Ombudsman.
However nobody can help you unless you help yourself and not knowing when the offence was committed means there is no obvious way forward for you at this stage.
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