There’s no such thing as average…

As a co-habiting couple, you inherit nothing from each other without a WilI…

In the UK there is no such thing as an average family. The 2.4 nuclear idea is no longer the norm and statistically there are more than 6 million co-habiting couples, with 42% of marriages ending in divorce and 2nd and 3rd marriage becoming common place it means we have an exciting and embracing new definition of the word ‘family’.

What is a co-habiting couple?

For the sake of this blog a co-habiting couple is two people who opt to live together outside of marriage or a civil partnership yet are in a relationship.

What does the law say?

Under English and Welsh law as a co-habiting couple you have no entitlement to your partners assets on death and this situation is no different if you have children together. You can make a claim under the Inheritance (Provision for Family and Dependants) Act 1975 but only if you can prove that you were financially dependent on your partner during your relationship.  This can be a costly and time-consuming process.

If you own a property jointly with your partner the survivor of the 2 of you will own the property outright on the first partner’s death.. However, without any legal provisions in place the remainder of your estate will be distributed according to the rules of intestacy after your death.  This means that you have no control over who inherits your assets, and your partner may receive nothing at all.

What can you do?

The simple answer is that the creation of a Will can protect and provide for your partner and any offspring in the event that anything happens. I can talk you through all the options that are available to you and help you create peace of mind for the future.


If you’d like to talk to me about making a will please give me a call today on 0115 878 0417 or drop me an email at