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When you ask for a quote ask for prices with and without the security chip. Sometimes there is a very small price difference in the premium so it may not be worth paying for the extra security measures. When I was getting a renewal price for car insurance the insurers wanted an alarm fitted, this would have cost several hundred pounds to have fitted in return for only a few pounds of discount, however the excess may be lower if you have extra security fitted. Also as Nina pointed out, there is no CRIS number on an fc but insurance companies insist on asking for it, it just shows that the insurers are not really sure what an fc is.
Rob
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