Writing a will Intestacy – dying without a will
The division of your estate can become exceptionally complicated and long-winded if you die without making a will.
Here, we explore what is likely to happen to your money and belongings if you die intestate.
Find out more: Which? Wills - avoid complications and make a will with Which?
What is intestacy?
Dying without a will means that you have died intestate. If this occurs, your estate and property will be divided and distributed under the intestacy rules, according to something known as the Administration of Estates Act. This has recently been updated, with new regulations coming into force on 1 October 2014.
The rules are complex, and can change depending on your familial situation when you die.
If you’re dealing with the estate of someone who has died intestate, need individual advice on wills or any other aspect of your finances, you can speak to a member of our Money Helpline team to get individual guidance.
Which? interactive guide to intestacy - check your situation
The intestacy limits changed recently. Use our interactive guide to see how the new rules would affect your estate if you died without making a valid will.
Please install/enable Adobe Flash Player to view the interactive version of this content
QuestionsQ1. Are you married or in a civil partnership?
Yes - go to Q3. No - go to Q2.
Q2. Is your estate worth more than £250,000?
Yes - go to Q4. No - go to A1.
Q3. Do you have children?
Yes - go to A2. No - go to Q5.
Q4. Do you have children?
Yes - go to A3. No - go to Q6.
Q5. Do you have any parents?
Yes - go to A4. No - go to Q7.
Q6. Do you have parents?
Yes - go to A5. No - go to Q8.
Q7. Do you have any brothers or sisters?
Yes - go to A6. No - go to Q9.
Q8. Do you have any brothers or sisters?
Yes - go to A7. No - go to A9.
Q9. Do you have any grandparents?
Yes - go to A8. No - go to Q10.
Q10. Do you have aunts, uncles or cousins? Yes - go to A10. No - go to A11.
AnswersA1. Spouse/civil partner (CP) gets everything
A2. Shared equally between children
A3. Spouse/CP gets personal possessions and first £250,000 plus half the remainder. Children get the other half
A4. Shared equally between parents
A5. Everything goes to your spouse/CP
A6. Shared equally between them
A7. Everything goes to your spouse/CP
A8. Shared equally between them
A9. Everything goes to your spouse/CP
A10. Shared equally between them
A11. Everything goes to the Crown
Dying intestate - where will your estate go?
If you're married, or in a civil partnership AND have children
If you have married, or are in a civil partnership and have children but haven't written a will, your spouse will receive everything in your estate, including all personal possessions, up to the first £250,000.
Anything above that amount is divided in two, with half going to your children at age 18. The remaining half belongs to your spouse.
If you're married, or in a civil partnership, with NO children
If you're married, or in a civil partnership and have no children, your spouse will receive all personal possessions and the proceeds of your estate.
If you’re unmarried person and HAVE children
If you're unmarried person and have children, your children will receive the proceeds of your entire estate at age 18.
If you're unmarried person with NO children
If you die intestate with no spouse or civil partner and no children, your entire estate will go to the following relatives, in this order:
- Your parents.
- If your parents are deceased, your estate will go to your brothers and sisters.
- If you have no siblings, your estate will go to your grandparents.
- If your grandparents are deceased, your estate will go to uncles and aunts.
- If you have no living relatives and die intestate, your estate will go to the crown.
Which Ltd is an Introducer Appointed Representative of Which? Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Your home may be repossessed if you do not keep up repayments on your mortgage.