Survey & Insurance when buying apartment

Sorry for bundling these two questions in together. I'm in the early process of (possibly) buying an apartment and I was wondering about the above two things.

I know that a mortgage lender will only require a valuation type survey for the property, but is there any real value (from my point of view) in having a "full" (structural) survey done ? Are alot of the points covered by a structural survey irrelevant for an apartment ?

I've read that the service charge for aparments normally includes insurances. Does this mean that I don't require any home insurance on the property and that it's already covered by the management company ? And if so, do most lenders accept this in place of me buying home insurance ? In this case, how does the lender get named as an interested party for the property ? Or do I still need to take out home insurance anyway to satisfy the lending criteria ? I realise this is more of a question for my bank, but I just wanted to check what generally happens for these cases.

Thanks in advance

Service charge covers the insurance for the block policy. It only covers the buildings and generally whatever fittings the builder put in. If you want to cover your contents and improvements then you need to take out a separate contents only policy for that.

Bank accepts the block policy as satisfying lending criteria once their interest is noted. This is done by contacting the managment company, who in turn requests same from broker/insurer.

I bought an apartment about 10 years ago and was advised to have a survey done by an architect or engineer by my solicitor.
It is also important to do some homework on the development that you are considering buying into, as some are run better than others. There should be an active policy of collecting management fees as well as meeting all the requirements of the MUD act. Developments where owner/occupiers are on the management board tend to be better run as they keep a tight reign on costs and ensure that the managing agents are doing their job.

If there is a structural problem with the building which will cause damp or other problems in your apartment in the future and worse case make the place unsellable, would you not prefer to have a professional, working on your behalf, to look at the apartment and point out any potential problems now.

This may sound negative, but its a huge purchase to make without all the relevant information.