insuremyride

[Louwai]

I have a Dumb newbie question as this is the first time i can afford insurance... when applying for insurance online, does the company send someone out to check the bikes condition etc?

It all goes back to what you tell them when you fill out the original documents / application. If you tell them the bike is better than it actually is & you make a claim, they will usually find that out when they inspect the bike for the claim.
At that point you will find that your insurance has been cancelled.