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Consultation on unmarried couples sharing assets when they break up

703 replies

CruCru · 05/06/2026 21:03

There’s a thing in the Times today which says that there is a consultation on unmarried couples sharing assets after a break up. Pretty much, if they separate they could be entitled to a share of a house sale and maintenance. They could also be given automatic inheritance rights if their partner dies without leaving a Will.

The proposal is that people who live together for three years or who have a child together would have these rights.

AIBU to be a bit conflicted on this? On the one hand, I really wish schools covered marriage and the rights and responsibilities it gives you. I’ve talked to women (who live with their partners) who were really taken aback to find out that they didn’t automatically get the same rights as married couples. On the other hand, when I was young (late teens / early twenties), I lived with a boyfriend who was a bit of a sponger - I’d have been really annoyed to find out that he was entitled to any of my money when we split up.

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QuintadosMalvados · 11/06/2026 21:21

Correction to the above: It's Marquess not Marquis! Duh.
Apparently the outcome of the wifelet who has made a claim on his estate under the Dependency Act 1975 is undecided-or at least not that I can see.
Just goes to show though, even though he was married to someone else, she could make a claim.

No edits to the rest.

QuintadosMalvados · 11/06/2026 20:48

drspouse · 11/06/2026 17:17

I would be in favour of that: people still think CPs are only if you are a same-sex couple, and that marriage has to be a big party. It's so rare to do a paper marriage i.e. down the registrar's office at lunchtime in your jeans, even though it's sensible. Women want a big proposal and an even bigger dress (or they don't want to be "part of an outdated institution" or "some man's property", and men think marriage will "tie them down" (which mainly seems to mean not having affairs/not going on stag nights, rather than actually being part of a family), and they don't think children do that because they think children are the woman's.

A colleague of DH's had changed her name by deed poll to be that of her partner/children which seemed so pointless, it didn't give her any additional rights or responsibilities, nor her partner, but she didn't want to get married. I think there are still a lot of people like that. CPs haven't caught on for whatever reason, but there needs to be something.

No there does not need to be 'something' at all.
There are already remedies available to cohabiting couples. Here's 3 I know of:

1 If a couple are cohabiting and one of them dies intestate, the surviving partner can apply for a share of their estate as a dependent.
(Indeed, the 'wifelets' of the Marquis of Bath tried this, they weren't successful!)

I cannot see why any judge in his/her right mind would deny the surviving partner a share if they have children together who are under 18.

2 If a cohabiting couple live together in a house but the house is owned by only one of them provided they can prove they've contributed financially they can make a claim.

3 a parent is already financially responsible for their children - regardless of whether he's married to the other parent. And rightly so.

So who does that leave? Childless couples whereby one of them doesn't pay significant money to the household.

Do you really think that somebody should be able to claim a penny in the event of a break up from the home owner in these circumstances?
If you do, I strongly disagree. And I'm going to say that I believe that the vast majority of people would too.

I also think that a judge can order that the main parent stay in the family home until the children are adults regardless of marital status. Though I could be wrong on this.

Pages and pages of women have overwhelmingly been against these proposals.
What's that tell you?
People who aren't married don't want to be legally tied to another adult!

I wouldn't say that I was right-wing but this cohabiting rights stuff gets on my nerves. Want rights, get married.

Fancythatfancyhat · 11/06/2026 17:38

Helpyourkids · 11/06/2026 17:30

Legally there are no real differences though between CP and marriage. In some jurisdictions CP is not recognised.

I know - that's why we chose it because legally it afforded us the same rights but we didn't have to do the same requirements such as saying vows as we would have to do for a marriage ceremony.

Helpyourkids · 11/06/2026 17:30

Fancythatfancyhat · 11/06/2026 17:27

I really don't know why CPs haven't caught on, they could be with being better publicised maybe. I got a CP and it was perfect for some like me who wanted things sorted legally but isn't drawn to a traditional marriage at all, we specifically didn't want to do vows for example.

Legally there are no real differences though between CP and marriage. In some jurisdictions CP is not recognised.

Fancythatfancyhat · 11/06/2026 17:27

drspouse · 11/06/2026 17:17

I would be in favour of that: people still think CPs are only if you are a same-sex couple, and that marriage has to be a big party. It's so rare to do a paper marriage i.e. down the registrar's office at lunchtime in your jeans, even though it's sensible. Women want a big proposal and an even bigger dress (or they don't want to be "part of an outdated institution" or "some man's property", and men think marriage will "tie them down" (which mainly seems to mean not having affairs/not going on stag nights, rather than actually being part of a family), and they don't think children do that because they think children are the woman's.

A colleague of DH's had changed her name by deed poll to be that of her partner/children which seemed so pointless, it didn't give her any additional rights or responsibilities, nor her partner, but she didn't want to get married. I think there are still a lot of people like that. CPs haven't caught on for whatever reason, but there needs to be something.

I really don't know why CPs haven't caught on, they could be with being better publicised maybe. I got a CP and it was perfect for some like me who wanted things sorted legally but isn't drawn to a traditional marriage at all, we specifically didn't want to do vows for example.

drspouse · 11/06/2026 17:17

Fancythatfancyhat · 11/06/2026 17:00

But then if it's a case of opting in consciously how is this any different to the status quo where marriage or CP is this way of "opting in". The whole proposal seems to be based around the does that people don't need conciously do anything.

I would be in favour of that: people still think CPs are only if you are a same-sex couple, and that marriage has to be a big party. It's so rare to do a paper marriage i.e. down the registrar's office at lunchtime in your jeans, even though it's sensible. Women want a big proposal and an even bigger dress (or they don't want to be "part of an outdated institution" or "some man's property", and men think marriage will "tie them down" (which mainly seems to mean not having affairs/not going on stag nights, rather than actually being part of a family), and they don't think children do that because they think children are the woman's.

A colleague of DH's had changed her name by deed poll to be that of her partner/children which seemed so pointless, it didn't give her any additional rights or responsibilities, nor her partner, but she didn't want to get married. I think there are still a lot of people like that. CPs haven't caught on for whatever reason, but there needs to be something.

QuintadosMalvados · 11/06/2026 17:14

Kucinghitam · 11/06/2026 16:38

This seems topsy-turvy to me.

If we agree that many people are irrational head-in-the-sand uninformed uncomprehending fools for love (who can't even get their heads around the long-established and relatively simple-to-achieve protections of marriage or civil partnerships), it sounds even more crazy to deliberately engineer a situation where those very people will find themselves slip-sliding by default into massive legal and financial obligations without ever having explicitly consented to them!

I agree. Another thing is that people with assets tend to be older people.
Less affected by hormones.
They've been around the block a bit.

I honestly I think when you get to a certain age you're far more pragmatic about relationships. We've not got it in us to be fools anymore.

I've learnt that being head over heels is a temporary emotion. I can't be the only one.
Financial security and survival becomes more important.

I'm not a man but a PP's suggestion that a man is going to be so blinded by love he's just going to risk half his house incorrect.

No man with assets who has had his fair share of relationships - some of which may have gone very wrong - is going to do this.

Fancythatfancyhat · 11/06/2026 17:00

santamola · 11/06/2026 16:09

It might not achieve the purported aim of this proposal, but the best way to retain rights etc. is to opt IN. If you don't bother, then things stay as they are and property/inheritances are protected.

It follows that a public information campaign would be needed to inform people of the merits and disadvantages of opting in.

If one party wants to opt in, and the other doesn't, back off immediately!

I am absolutely sure there are major flaws in my thoughts. Be good to hear them, because opting OUT appears to be very legalistic. Maybe it has to be.

Forgive my ignorance, I'm thinking out loud.

But then if it's a case of opting in consciously how is this any different to the status quo where marriage or CP is this way of "opting in". The whole proposal seems to be based around the does that people don't need conciously do anything.

Kucinghitam · 11/06/2026 16:38

drspouse · 11/06/2026 14:54

I really think there are a lot of people on this thread who are hopelessly overestimating both men's and women's powers of reasoning.

Many, many studies of the social effects of this, that and the other policy have shown that rationality rarely comes into everyday reasoning. Whether it's about what to buy at the supermarket, or whether to move in with someone; even highly educated women (and men) make decisions with irrational parts of their brains.

Call it nanny state, call it patronising, but we have lots of laws about things that people should be able to decide for themselves or their children (gambling, drink driving, seat belts, psychoactive drugs, whether children need educating, whether parents get to decide if their child can get a tattoo/go into the army/vote).

Even on the "she'll have half my assets so I won't move in" side I doubt most men can think that rationally. Given many, many adults don't understand that the house always wins in gambling, or alternatively they do understand it but emotion wins over, they aren't going to be deciding based on "what is best for me and my assets" or "what is best for my children and their outcomes" but rather "what feels good". We see this all the time with women who stay with abusive partners "because he loves me" and the kids get either put into care if someone spots how bad it is, or silently living lives of misery.

This seems topsy-turvy to me.

If we agree that many people are irrational head-in-the-sand uninformed uncomprehending fools for love (who can't even get their heads around the long-established and relatively simple-to-achieve protections of marriage or civil partnerships), it sounds even more crazy to deliberately engineer a situation where those very people will find themselves slip-sliding by default into massive legal and financial obligations without ever having explicitly consented to them!

ScarlettSunset · 11/06/2026 16:25

santamola · 11/06/2026 16:09

It might not achieve the purported aim of this proposal, but the best way to retain rights etc. is to opt IN. If you don't bother, then things stay as they are and property/inheritances are protected.

It follows that a public information campaign would be needed to inform people of the merits and disadvantages of opting in.

If one party wants to opt in, and the other doesn't, back off immediately!

I am absolutely sure there are major flaws in my thoughts. Be good to hear them, because opting OUT appears to be very legalistic. Maybe it has to be.

Forgive my ignorance, I'm thinking out loud.

See that's it.
I think the idea wouldn't be so bad if there was a clear and easy (and free) route to opting out of getting financially entangled.
Instead it sounds like opting out nay be possible, but it'll probably be difficult and expensive.

And still none of it means that absent parents will actually pay what they should towards their children.

santamola · 11/06/2026 16:09

It might not achieve the purported aim of this proposal, but the best way to retain rights etc. is to opt IN. If you don't bother, then things stay as they are and property/inheritances are protected.

It follows that a public information campaign would be needed to inform people of the merits and disadvantages of opting in.

If one party wants to opt in, and the other doesn't, back off immediately!

I am absolutely sure there are major flaws in my thoughts. Be good to hear them, because opting OUT appears to be very legalistic. Maybe it has to be.

Forgive my ignorance, I'm thinking out loud.

QuintadosMalvados · 11/06/2026 16:00

Helpyourkids · 11/06/2026 15:41

Agreed. Also these days 'the bank of Mum and Dad' is involved much more than in the past, in property purchases of first time buyers. These adults will not want 'their family money' (often from their pension funds) going to a cohabitee after 3 years, if they split.

Agreed.
It's amazing how rational people can be when it comes to money.
It is, after all, essential to survival.

How many women and men have cast aside the person they really love to marry somebody with money? Absolutely loads of people.
To say that people are incapable of controlling their emotions is nonsense.
Am I saying it is morally right to marry somebody for money? No! But it is a clear example of people controlling their emotions.

Just to refute the poster I replied to assertion that we all make dumb decisions cause we all turn into idiots when it comes to love.

Which, TO ME - and apologies if I'm wrong-reads like: 'well people are idiots so we've got to bring these cohabitation laws in.' Er, no!

Oncemorewithsome · 11/06/2026 15:55

Personally I think three years is too short. Lots of women would also find themselves as the higher earner, doing everything in the house and for the kids - and then also having to pay their boyfriend if they split up.

I think it should only be automatic if you have lived together for 10 years or something.

Helpyourkids · 11/06/2026 15:41

QuintadosMalvados · 11/06/2026 15:37

You'd be surprised how rational people can be if something they've worked their asses off and suffered to acquire is at stake.

The examples you give don't involve any effort on the individual's part to achieve if that makes sense.

Even if you're right, so what?
The sensible should suffer for those that don't think clearly?
Is that what you're saying?
No offence against you personally but f* that line of thought.

Agreed. Also these days 'the bank of Mum and Dad' is involved much more than in the past, in property purchases of first time buyers. These adults will not want 'their family money' (often from their pension funds) going to a cohabitee after 3 years, if they split.

QuintadosMalvados · 11/06/2026 15:37

drspouse · 11/06/2026 14:54

I really think there are a lot of people on this thread who are hopelessly overestimating both men's and women's powers of reasoning.

Many, many studies of the social effects of this, that and the other policy have shown that rationality rarely comes into everyday reasoning. Whether it's about what to buy at the supermarket, or whether to move in with someone; even highly educated women (and men) make decisions with irrational parts of their brains.

Call it nanny state, call it patronising, but we have lots of laws about things that people should be able to decide for themselves or their children (gambling, drink driving, seat belts, psychoactive drugs, whether children need educating, whether parents get to decide if their child can get a tattoo/go into the army/vote).

Even on the "she'll have half my assets so I won't move in" side I doubt most men can think that rationally. Given many, many adults don't understand that the house always wins in gambling, or alternatively they do understand it but emotion wins over, they aren't going to be deciding based on "what is best for me and my assets" or "what is best for my children and their outcomes" but rather "what feels good". We see this all the time with women who stay with abusive partners "because he loves me" and the kids get either put into care if someone spots how bad it is, or silently living lives of misery.

You'd be surprised how rational people can be if something they've worked their asses off and suffered to acquire is at stake.

The examples you give don't involve any effort on the individual's part to achieve if that makes sense.

Even if you're right, so what?
The sensible should suffer for those that don't think clearly?
Is that what you're saying?
No offence against you personally but f* that line of thought.

Helpyourkids · 11/06/2026 15:36

drspouse · 11/06/2026 14:54

I really think there are a lot of people on this thread who are hopelessly overestimating both men's and women's powers of reasoning.

Many, many studies of the social effects of this, that and the other policy have shown that rationality rarely comes into everyday reasoning. Whether it's about what to buy at the supermarket, or whether to move in with someone; even highly educated women (and men) make decisions with irrational parts of their brains.

Call it nanny state, call it patronising, but we have lots of laws about things that people should be able to decide for themselves or their children (gambling, drink driving, seat belts, psychoactive drugs, whether children need educating, whether parents get to decide if their child can get a tattoo/go into the army/vote).

Even on the "she'll have half my assets so I won't move in" side I doubt most men can think that rationally. Given many, many adults don't understand that the house always wins in gambling, or alternatively they do understand it but emotion wins over, they aren't going to be deciding based on "what is best for me and my assets" or "what is best for my children and their outcomes" but rather "what feels good". We see this all the time with women who stay with abusive partners "because he loves me" and the kids get either put into care if someone spots how bad it is, or silently living lives of misery.

Who are you...David Lammy? Property ownership rights are the bedrock of western democracy. You mess with them at your peril.

Cherriesandapples1 · 11/06/2026 15:29

drspouse · 11/06/2026 14:54

I really think there are a lot of people on this thread who are hopelessly overestimating both men's and women's powers of reasoning.

Many, many studies of the social effects of this, that and the other policy have shown that rationality rarely comes into everyday reasoning. Whether it's about what to buy at the supermarket, or whether to move in with someone; even highly educated women (and men) make decisions with irrational parts of their brains.

Call it nanny state, call it patronising, but we have lots of laws about things that people should be able to decide for themselves or their children (gambling, drink driving, seat belts, psychoactive drugs, whether children need educating, whether parents get to decide if their child can get a tattoo/go into the army/vote).

Even on the "she'll have half my assets so I won't move in" side I doubt most men can think that rationally. Given many, many adults don't understand that the house always wins in gambling, or alternatively they do understand it but emotion wins over, they aren't going to be deciding based on "what is best for me and my assets" or "what is best for my children and their outcomes" but rather "what feels good". We see this all the time with women who stay with abusive partners "because he loves me" and the kids get either put into care if someone spots how bad it is, or silently living lives of misery.

So do you want the law to go in?
What about the ones consciously not marrying to keep finances separate, should they have no choice to keep finances separate if they choose to cohabit?

drspouse · 11/06/2026 14:54

I really think there are a lot of people on this thread who are hopelessly overestimating both men's and women's powers of reasoning.

Many, many studies of the social effects of this, that and the other policy have shown that rationality rarely comes into everyday reasoning. Whether it's about what to buy at the supermarket, or whether to move in with someone; even highly educated women (and men) make decisions with irrational parts of their brains.

Call it nanny state, call it patronising, but we have lots of laws about things that people should be able to decide for themselves or their children (gambling, drink driving, seat belts, psychoactive drugs, whether children need educating, whether parents get to decide if their child can get a tattoo/go into the army/vote).

Even on the "she'll have half my assets so I won't move in" side I doubt most men can think that rationally. Given many, many adults don't understand that the house always wins in gambling, or alternatively they do understand it but emotion wins over, they aren't going to be deciding based on "what is best for me and my assets" or "what is best for my children and their outcomes" but rather "what feels good". We see this all the time with women who stay with abusive partners "because he loves me" and the kids get either put into care if someone spots how bad it is, or silently living lives of misery.

FurierTransform · 11/06/2026 13:30

Who is the oringator of this proposal?
It seems absolutely mad. I mean how many relationships would have never progressed past the moving in phase if this was in force?
Why is having a relationship and living with someone but not having all of your finance and assets tied up with them not an option??? some people want that.

QuintadosMalvados · 11/06/2026 12:58

Helpyourkids · 11/06/2026 12:28

Sir Humphrey in Yes Minister would have gloriously have pointed out all the negatives and inconsistencies and correctly nothing would go forward. 😁

I was thinking about him funnily enough and his 4 words for successful policies. Cheap, popular and there's two others. Anybody know?

I think the negatives and unintended consequences would have been obvious to him.

It's a shame that a bunch of random women (and maybe a few men?) on the Internet have to be Sir Humphrey. 😁

Helpyourkids · 11/06/2026 12:28

Kucinghitam · 11/06/2026 12:02

It looks like another manifestation of the Politician's Syllogism from Yes, Minister.

1: We must do something.
2: This is something.
Conclusion: Therefore, we must do this.

Sir Humphrey in Yes Minister would have gloriously have pointed out all the negatives and inconsistencies and correctly nothing would go forward. 😁

Fancythatfancyhat · 11/06/2026 12:28

Neutralnames · 11/06/2026 12:10

They've been highlighting this for at least two decades. I'm astonished anyone still believes in it. Google is a thing. Chat GPT is a thing. If people are too thick or lazy to bother finding out what their legal status is, that is on them. Its not for the rest of us to have to live alone or be forced into an obligation we have not consented to.

Literally! Surely anyone who might assume they have some sort of common law protection would Google it and easily see it's not true?

Neutralnames · 11/06/2026 12:10

IfWhippetsRuledTheWorld · 05/06/2026 22:22

Far better to have a campaign highlighting the non existence of common law marriage, and also overhauling child maintenance so that absent fathers actually pay for their children.

They've been highlighting this for at least two decades. I'm astonished anyone still believes in it. Google is a thing. Chat GPT is a thing. If people are too thick or lazy to bother finding out what their legal status is, that is on them. Its not for the rest of us to have to live alone or be forced into an obligation we have not consented to.

Neutralnames · 11/06/2026 12:07

QuickBrown · 05/06/2026 21:57

I hate the idea that you could effectively be married without your consent! It is definitely something you should do knowingly. I'm married but I did it knowingly and on purpose.

This! I think we should all respond to the consultation!

Neutralnames · 11/06/2026 12:05

Periperi2025 · 05/06/2026 21:22

I think it is a good idea, maybe with some tweaking, as it gets around the Sharia court system creeping into the UK, where muslim couples are only married religiously and not legally, thus affording none of the hard won legal protections, that previous generations of women have fought hard for, to Muslim women living in the UK.

We can not have a parallel legal system being allowed to run in the UK and this is a step in the right direction to ending it.

This is ridiculous. The rest of the country is adversely affected because of a misogynistic religion?
If a muslim couples chose not to marry legally that is their business. They will be treated as unmarried couples same as everyone else.

Have a publicity campaign to warn muslim women, but don't change the law to affect everyone else to accommodate people choosing to put their faith in their religion rather than the law of the country they live in.

People are allowed to make bad decisions in their own life.

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