the issue is a simple one. i have to confirm that i have inspected visibly the whole of the flue.. obviously this is impossible with a chimney as described so to comply i d have to fit a flue liner.. however i m also supposed to be able to do the same when i service your existing fire when i m faced with exactly the same dilemma but i dont ask then to fit a new liner?
so i have to take a balanced view if a visul inspection of the flue is possible eg strong torch and i can see 10 feet up the chimney and all is well, secure, no soot, no big snots, clear of obstructions and it takes a smoke bomb with gusto then your ok if not your having a liner.
what your asking the gas man for is a proffesional opinion just like you get from your doc or solicitor based upon thier qualifications and experience
however based on that experience id have to say that roughly only 20% of flues/chimneys do not require any work at all. the one we re doing monday is ”spot on no work required” it needs 12 bricks mortaring in the builders opening and lining with mortar and a new gas supply.. and dont even ask about the newly DIY installed wood burning stove that im taking out on the 6th jan ( no hearth…. )