Living together as a couple (also called cohabiting) does not give you the same rights and responsibilities as being married or in a registered civil partnership. You should understand the legal position (including your cohabitation rights) and how you can protect yourselves should your relationship end or one of you dies
Unlike marriage or civil partnership, cohabitation does not automatically give you rights to the home you share. Problems can occur – particularly when one of you moves into a property the other owns or rents.
If the property is rented, only the tenant(s) named in the rental agreement generally has the right to live there – and has responsibility for paying the rent. If you are not a named tenant:
Similar rules apply if the property is owned by one of you. The property owner is the only one entitled to live there – anyone else can be asked to leave. The owner can also make decisions – such as selling the property – without consulting their partner.
However, even where only one of you owns the property, the other may have some rights (eg: to a share of the money if the property is sold). This can happen if:
Owning a property in joint names can help to protect the cohabitation rights of both partners, but there are potential pitfalls. For example:
Whatever your circumstances, a written cohabitation agreement detailing what contributions you will each make and what share of the home you are each entitled to, minimises risk of future disputes.
You have no legal duty to support each other financially, either while you are living together as a couple or if you separate. Nor do you automatically share ownership of your possessions, savings, investments and so on.
In general, ownership is unaffected by the fact that you live together as a couple. So:
Again, a written cohabitation agreement can help avoid disputes, for example, by setting out how much you each contribute to a joint account and how ownership of any items bought using the money will be shared.
If you have any debts in joint names (eg: credit cards), you are normally each liable for the debt. If your partner fails to pay, you can be pursued for the full amount. You may also both be liable for household bills.
Your cohabitation rights make no difference where taxes are concerned. They continue to be assessed in the same way as any other individuals. However, any benefits you claim will be assessed on the basis that you are a couple. This means that your partner’s income will be taken into account and your entitlement to benefits may be reduced.
Legally, you only have a role in important decisions about children (such as their education and religion) if you have parental responsibility for them.
If the parents of children are not married, only the mother automatically has parental responsibility. The mother’s partner only has parental responsibility if:
If you separate, rather different considerations apply:
In effect, children are treated in the same way as when a married couple get divorced. Read our information about divorce and children.
An unmarried cohabitant has no automatic right to inherit if their partner dies, although they may be a beneficiary under the other’s will. If you are a beneficiary, any assets you receive may be subject to inheritance tax – there is no exemption for unmarried couples.
If you have lived together ‘as man and wife’ for at least two years or if you can show that you were financially dependent on your partner, you can make a claim for a financial settlement even if you were not a beneficiary of the will.
However, this can involve a complex and expensive dispute with the other beneficiaries and even if you are successful, you may only be entitled to a limited share of your partner’s assets.
If you owned your home together, the form of legal ownership has a major impact. If you owned your home as ‘joint tenants’, you will automatically continue to own the (entire) home if your partner dies. But if you were ‘tenants in common’, your partner’s share is dealt with under the terms of his or her will. If you rented your home, your rights to stay depend on the type of tenancy, whose name(s) it is in and your landlord.
You will not be entitled to state benefits such as bereavement allowance or a state pension based on your former partner’s National Insurance contributions. Whether you have any entitlement under private pension or life insurance arrangements depends on whether the particular scheme's terms gives rights to a cohabiting partner.
Written agreements can help to protect you from potential risks if you separate or your partner dies.
Drawing up a cohabitation agreement can help you think through some of the key issues in your relationship. Though not all of the agreement may be legally enforceable, it can help reduce the likelihood of disputes and make any disputes easier to resolve.
For example, an agreement might cover issues such as how bills will be shared, whether you will have any joint accounts, and what roles you will each have in terms of childcare, household chores and so on.
Other possibilities include: