St George Wharf, the iconic riverside development in Vauxhall SW8, comprises some of London's most desirable apartments—many with river views, concierge access, and premium finishes. Whether you’re an owner-occupier or landlord, having the correct apartment insurance is essential to protect your asset, comply with leasehold terms, and ensure financial security.
In this guide, Fraser Bond, a leading London property consultancy, explains what apartment insurance you need at St George Wharf, what is covered by the freeholder, and how to ensure full protection for your investment.
St George Wharf is a leasehold development, meaning that the building structure and communal areas are insured under a block policy arranged by the freeholder—currently coordinated through the managing agent, Rendall & Rittner.
However, the freeholder’s buildings insurance does not cover your individual property contents or tenant-related liabilities. Owners are still responsible for:
Contents Insurance – Covers your personal possessions inside the flat
Accidental Damage Cover – For fixtures like flooring, bathroom fittings, kitchen units
Alternative Accommodation Cover – In case of major incidents
Landlord Insurance – Includes contents, legal liability, loss of rent, and malicious damage
Tenancy-Linked Liability – Covers injury claims from tenants or visitors
Legal Expenses – For disputes, evictions, or contract enforcement
Fraser Bond provides advisory and access to suitable insurance products designed for premium leasehold flats in high-value developments.
The freeholder (via the block policy) insures the structure and communal elements of the building, including:
External walls, roofs, lifts, and windows
Fire doors, balconies, and corridors
Building-wide mechanical and electrical systems
Public liability for common areas
Rebuilding costs in the event of a major incident (e.g. fire or flood)
This policy does not extend to your flat’s contents, fittings, or tenancy risks. It also does not cover costs related to internal leaks caused by fixtures like washing machines or radiators within your flat.
If a claim must be made through the block policy, leaseholders may be responsible for excess payments as defined in the lease.
Fraser Bond liaises with block management on your behalf to review freeholder policy details and exclusions for your individual property.
Fraser Bond offers tailored insurance and risk management support to both resident owners and landlords in St George Wharf. Our services include:
Reviewing leasehold terms and block insurance coverage
Recommending additional individual cover based on usage (let, holiday, or primary residence)
Coordinating policy set-up and renewals with specialist insurers
Supporting claims documentation and communication with managing agents
Ensuring legal alignment with tenancy compliance and mortgage lender requirements
Whether you require owner-occupier cover, landlord liability, or vacant property protection, Fraser Bond ensures that your St George Wharf apartment is properly insured under UK law.
While buildings insurance is included within the block management structure at St George Wharf, individual owners still need dedicated apartment insurance to protect contents, fixtures, and financial liabilities.
Fraser Bond provides clear, expert advice to ensure owners are not underinsured or exposed to avoidable risks. From lease review to policy setup, our team ensures your apartment is secure, compliant, and fully protected.
Visit FraserBond.com to request an apartment insurance review or arrange a landlord risk assessment for your property at St George Wharf.
