Have You Made a Will?

The Law Society is urging the nearly 70 per cent of the adult population who have not yet made a will to do so.

There are many reasons why you should make a will. It is a mistake to think that it is only necessary if you have a substantial estate.

Estate Administration

The administration of an estate is substantially easier if there is a will. If there is not, the estate is frozen until the deceased person’s relatives can go to court to obtain ‘letters of administration’.

Certainty of Entitlement and Intestacy

If someone dies without making a valid will, they are said to have died intestate. Should this situation arise, the estate and possessions of the deceased person will be divided according to rules set out in the Administration of Estates Act 1925.

It is important that you do not assume that because you are married or in a civil partnership your spouse or civil partner will automatically inherit all your property even if you have not made a will. There are statutory legacies that a surviving spouse or civil partner is allowed to inherit, depending on the circumstances. As of 1 February 2009, the basic rule is that if you die intestate, your spouse or civil partner will receive your chattels and the first £250,000 of the estate (the ‘statutory legacy’) if you have children and the first £450,000 if you do not.

Where the estate is worth more than the statutory legacy, the position becomes more complicated.

Married With Children
If you die intestate with an estate worth more than £250,000, your spouse or civil partner will receive £250,000 and a life interest in half of the remainder of the estate. On his or her death, this passes to your children. Your children will get the other half of the remainder of the estate, when they reach 18 or when they marry. If any of your children pre-decease you leaving children of their own, your grandchildren are entitled to their parent’s share.

Married Without Children
If you die intestate with an estate worth more than £450,000, your spouse or civil partner will receive £450,000 plus half the balance of the remainder of the estate. The remaining half of what is left goes to other family members in a strict order of legal precedence – parents; brothers or sisters or their children; half brothers or sisters or their children; grandparents; uncles or aunts or their children; half uncles and aunts or their children. Only if you are married with neither children nor relatives will your surviving spouse or civil partner get everything.

It is important to be aware that the intestacy rules do not recognise a deceased person’s step-children, only his or her natural, adopted or illegitimate children.

Although the rules afford some protection if you are married or in a civil partnership, it is recommended that you both have a will in order to ensure that your wishes are carried out. It is important to remember that marriage or civil partnership automatically invalidates any existing will.

Not Married
Entitlement under the intestacy rules only applies to couples who are married or in a civil partnership. Couples who are cohabiting have no protection. Contrary to popular belief, the law does not acknowledge such a thing as a ‘common law’ wife or husband. If you are cohabiting with your partner and wish for them to benefit financially upon your death, it is essential to make a will to this effect. Whilst your partner might be eligible to claim for financial provision to be made from the estate under the Inheritance (Provision for Family and Dependants) Act 1975, this is uncertain and depends on being able to prove that he or she was financially dependent on you.

If you are not married but have children and die intestate, your children will inherit your entire estate. If any of your children have died leaving children of their own, the children will inherit their parent’s share.

If you are not married and do not have any children, your surviving relatives will inherit in the same order as listed above.

Every year, hundreds of long-term partners find they have no legal entitlement to the assets of their partner’s estate when they die. If an application is made to the court for financial support, this may be contested by family members and will inevitably involve delay and expense.

The essential point is that if you die intestate, your estate must be distributed according to the formula set out by law, no matter what your wishes are. Assets or items with a sentimental value that you wish to pass on to a specific person may well end up in other hands unless there is a will to direct their distribution.

If you fail to make a will and have no surviving relatives, on your death everything will automatically pass to the Crown – i.e. to the Treasury.


A carefully drafted will can also help to minimise the Inheritance Tax burden when you die. This is especially important where there are issues of domicile (i.e. where a spouse is not domiciled in the UK). Trying to do a ‘DIY will’ is a false economy: the courts deal with dozens of cases annually in which DIY wills have been made and found to have defects or to be completely invalid.

Whatever your situation, making a will is an efficient and inexpensive way of ensuring that your wishes are complied with.

The BBC recently ran an article on their website detailing the importance of making a will, especially younger people. To read the article click here

The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.