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Politics

Views on proposed cohabitation rights changes and the opt-out model

29 replies

PokemonQueen · 06/06/2026 13:12

NC for this, as I've been pretty vocal about it in real life.

How do people feel about the fairer end to relationships consolation? Especially changes to cohabitation rights on separation.

www.gov.uk/government/consultations/a-fairer-end-to-relationships

I don't dispute the problem, women who've sacrificed careers, done the childcare, or been financially controlled in long cohabiting relationships are genuinely left exposed. But I have real issues with the automatic opt-out model, especially for people already cohabiting. Lots of us (including women with assets to protect) have already deliberately chosen not to marry because we wanted to keep finances separate. That was a conscious decision. An opt-out scheme just reverses that default and makes us go through hoops to preserve it.

What if one partner refuses to opt out? That suddenly gives enormous leverage to whoever has least to lose. And there's a horrible irony where a financially controlling partner could use the opt-out process against the very women this is supposed to help. There's also a pretty obvious perverse incentive: if your savings become claimable, why save? Especially if one of you is a saver and the other a spender.

I'm also a bit annoyed that the whole consultation reads like the decision's already been made and they're just sorting the details (what qualifying period, what if someone's still married to someone else).

On a personal note, the opt-out framing is already causing tension in my own relationship. The assumption that wanting to opt out means you're expecting it to fail, or don't trust your partner. I suspect I'm not the only one who would have that problem.

OP posts:
Supersimkin7 · 07/06/2026 15:22

They could start by enforcing child maintenance laws.

🇬🇧 ‘s the last refuge of the deadbeat dad - you don’t get away with it in Europe. 50:50 residency and £, always monitored and enforced.

Supersimkin7 · 08/06/2026 22:28

I agree, OP. If the new laws are essentially meant to get women and DC off welfare (they are, the 🇬🇧’s exceptionally bad in this area) then write them with that aim in mind.

The other option is tell people to marry-with-pre-nups that are on their to becoming legally binding. Prenups have existed since 1200 in this country to protect women.

A few problems consultation not tackled:

Cohabitation - it’s bloody easy to claim
you don’t, partic if your parents can say they house you, you work away or you’ve got family and property abroad. Or if the relationship’s going badly and you’re off every 5 min and/or living with another partner.

Stepchildren - What makes one? What makes a step-parent? How many can you have?

We all know kids who are brought up under one roof in separate social classes cos their DFs vary in income. Sibling bonds need strengthening in society, not weakening.

Intestacy proposals: Anyone vaguely aware of the UK’s major social changes in the last 30 years?

The biggest are the huge rise in dementia/huge rise property prices/mega rise in will challenges.

Proposals team haven’t heard a word.

What could possibly go wrong?

Thisistyresome · 18/06/2026 16:59

This is a ridiculous idea, it gets pushed every few years and normally governments are sensible enough to refuse it.

People end up having a more complex relationship because they didn’t employ lawyers to stop them getting in to the mess. Imagine having to go through a psudo-divorce because you lived with someone for 3 years and a day.

If people want to be legally bound then a marriage or civil partnership is less than £200, what will it cost to draft a cohabitation agreement to not end up in a quazi-marriage? According to the consultation you both will need independent solicitors, so two lots of legal fees?

Marriage laws are already am mess because people tack on “but what about this obscure case” to cater for those who don’t just do the simple thing. This is adding endless complexity to life. A cynic would point out the body who represent divorce lawyers have been pushing for this for years…

Thisistyresome · 18/06/2026 17:07

@Supersimkin7
@LlynTegid

The issue of the crapness of the CMS is a totally different point form this consultation. It was nodded through years ago based upon “good intentions” and produced a mess.

I have heard horror stories on both sides of payer and payee, much of its work could be simplified by making more use of HMRC records for assessments of income (particularly the self employed and business owners) and a simplified system for collection on the back of that.

But don’t confuse the CMS issue with this issue.

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