hi anthonyb
you're not from the states by any chance?
Are you saying she has a speeding fine resulting in two penalty points that have not been set against her licence yet? If so and if these are her first points, come clean, it is highly unlikely to affect her policy cover. In most instances, insurance companies disregard the first four points when it comes to premium calculations etc.
In addition if she has not received written confirmation that the points have been put on her licence, she has technically nothing to declare, regardless of when she received the speeding fine