i had 3 point since july 2013 and now its not valid after 3 yrs. but should i tell i had speeding in last 5 yrs while buyin new insurance?

The question is "Have you had any convictions in the last 5 years"

The answer is quite clearly, "Yes".

I fail to see the difficulty with the question...

Your insurance policy is a contract between you and the insurance company.
If you lie to them the contract is invalid.

You were asked have you had any speeding convictions in the last 5 years not 3 years.
The fact that the three years since the conviction means the points on the licence no longer count is not the question.
The points remain showing on your licence for 4 years before they can be removed so when the insurance company ask for a copy of you licence they will see you are lying.
Insurance invalid!

Tell the truth and yes you will be paying a higher premium but it is better than a criminal conviction for attempting to 'obtain a pecuniary advantage by deception'.

You answer truthfully any question that the insurance company asks you.
If they are asking if you have a conviction in the past 3 years and you have had a conviction in the past 3 years, then you should answer yes. If not, answer no.
If they are asking if you have a conviction in the past 5 years and you have had a conviction in the past 5 years, then you should answer yes. If not, answer no. The number of "points" you may or may not have had or now have is not the point.

Yes. You have to be honest. They can check.
Do not declare it yiu will find yiur insurance is void.

Even though the 3 years is over, they ask for 5 years to see if you (had) any other points.

I have had only (1) speeding ticket in my entire life which was in 1989/////. Guess what it shows on my license. Odds are it will also show on your license, but will show closed since over 3 years.

If you lie on your application, then if in an accident, then insurance can deny paying due to lying, the term is called “misrepresentation” or in other words fraud to get a lower price for your insurance.

So yes, you may up paying a few dollars more for your insurance, but put another way in 2 years, if no more tickets then can state no.

Jesus, I hope your driving skills are better than your spelling skills. Anyway, since that isn't what you asked...

When buying insurance, you need to understand one very important thing. That thing is this: Insurance companies don't ask questions they can't find the real answers to. Ever. Know that, understand it and remember it. If an insurance company asks you a question, it's because they can and will look up the real answer to it. They know that people lie to them, they've seen it millions of times per week in fact .

If an insurance company asks how long you've held a licence, they can look up the date you got your licence. If they ask for your shoe size, they can look up your actual shoe size. And if they ask you to list all your convictions in the last five years, it means they can look up your driving record for the last five years. Because they don't ask questions they can't find the real answers to, not ever.

There is a clause in every insurance contract called the misrepresentation clause, and it's there for a reason. In so many legal mumbo-jumbo words, the clause says if you commit any misrepresentation (the legal word for lying) or non-disclosure (the legal word for lying by omission), the whole contract is null and void. Null and void means there is no legal contract at all, which means they don't have to pay any compensation to you.

Don't ever pretend the insurance company will just take you at your word, because they won't.

You don't say where in the world you are, and if in the US it matters which state. State laws vary from speeding violations staying on your record for two years and staying on you record for life, or anywhere in between. Here in Arizona the record appears for five years, even if traffic school has eliminated the points. When I changed insurance the agent asked for all citations in the last ten years, then looked to see what turned up.

For those people giving the "thumbs down" to the correct answers, I should point out that in the U.K., you are required BY LAW to disclose any convictions, claims or accidents, when an insurance company asks about them.

It only stays on record 3 years. You can truthfully say "No" if they ask , in last 3 years. Even 5 years, since they can't see it, you can legally say no or N/A or leave blank. You do not, by the 4th Amendment, need incriminate yourself. .Why do you think DMV takes it off after 3 years?
This is like an illegal question, like being asked if you have any misdemeanors or felony charges on a work application. The law says you must only reveal felony convictions.
Don't worry about morals, insurance co's are just out for the money and it is hard to get them to pay off what they promise. Everyone I know who got hit only collected half what their policy said, without hiring an expensive lawyer. I got scraped up in a spill a few weeks ago, even though I have a lot of coverage including uninsured driver, . I collected nothing. My shoulder still kills me.

Hi so if you don't admit it they find it and up the premiums.