Hi Evenstar that is correct.
Anything in your joint names passes automatically to you. Just present the bank / building society / land Registry or whoever with a death certificate and they should take DH's name off. No pressure to do it now. Just when you are ready. If you are not sure which land registry to write to then post your postcode or CAT me and I can look p the address for you and let you have the wording for the letter.
Anything in DH's sole name is slightly different. Generally if there is less than £5k in the account the bank will not require a grant of probate.Some banks helpfully have a higher limit than that. Be guided by what they ask for.
If the house is in DH's sole name then that is a different matter and will depend on whether he left a will. Please ask if you get stuck.
Just a word of caution to all your ladies and gents. Do return passports and driving licences for cancellation . I know is upsetting I deal with it every day but it would be worse to find that years down the line a criminal had posed as DH or DW and stolen the passport or driving licence details to obtain credit or launder money. If any of you would like the addresses of where to write and a standard letter to use then please email me.........hollygreenfarmhouse at btinternet dot com.
Good night.May you all sleep peacefully with your own guardian angels who are watching you. As a teenager when I thought I was doing something that my mother would disapprove of I always felt that my father knew anyway as he was a twinkling star in heaven so I might as well confess LOL !!