You do not have policies.

You have one insurance policy that you have renewed and failed to tell them of speeding points.

It will be down to the insurer as to what they do BUT they could retrospectively ask for £xx or £xxx for premiums they would have charged. They could cancel your current policy for omissions of the points in previous years or both.

A few ££s would not be that serious BUT if they cancel your current cover you will have a very expensive problem.

Taking out NEW insurance after a company has cancelled a policy or refused to renew a policy stays with YOU and you have to own up to this to any future policies that you take out with a new insurer This will seriously increase any premiums as only a limited number of insurers will take on people who have "broken the rules" in failing to disclose relevant information e.g. points for speeding, having a criminal record, previous claims.

Doing 33 in a 30 limit might not cause them a great problem BUT doing 55mph in a 30 limit or 95 on a motorway could have meant they would not insure you had they known about the points.

I know it is too late BUT if you had changed insurers & told the new company of the points the current problem you have possibly would not have arisen.