Intestacy Rules in England and Wales: A Comprehensive Guide
When someone dies without a valid will, their estate doesn’t just get divvied up at random. It’s distributed according to a fixed set of legal guidelines known as the intestacy rules. These rules determine who inherits what, in what order, and how much.
Sounds simple? Sometimes it is. But more often than not, it creates confusion, unintended outcomes, and (frankly) stress for the people left behind.
At Ash Hill Solicitors, we regularly speak to families who assumed they’d automatically inherit, only to discover the rules say otherwise. So, this guide exists to lay it all out plainly. No guesswork. No surprises. Just clarity.
Who Inherits Under the Rules of Intestacy?
Let’s start with the basics. If there’s no will, here’s how the estate is generally distributed:
1. Married or Civil Partner (With No Children)
The entire estate passes to the spouse or civil partner.
2. Married or Civil Partner (With Children)
The partner gets:
- All personal possessions
- The first £322,000 of the estate (as of May 2025)
- Half of anything above that
The children share the remaining half equally.
Important to note: this applies to biological and legally adopted children only. Stepchildren are not included unless legally adopted.
3. No Partner, But Children
Everything is divided equally among the children. If any child has died, their share passes down to their children (i.e. the grandchildren).
4. No Partner, No Children
There’s a set hierarchy:
- Parents
- Siblings (or their children if siblings are deceased)
- Half-siblings
- Grandparents
- Aunts and uncles (or their children)
- Half-aunts and uncles
If no relatives are found at all, the estate goes to the Crown. It’s called bona vacantia – ownerless goods. Not the most romantic ending.
What About Unmarried Partners?
Here’s where things often get painful.
If you weren’t married or in a civil partnership – no matter how long you were together, no matter how joint your lives were – you have no automatic right to inherit under intestacy rules.
That’s the law. Even if you owned a house together, had children, shared finances. You may need to go to court to make a claim, often under the Inheritance (Provision for Family and Dependants) Act 1975.
It’s one of the strongest arguments for writing a will – especially if you’re not married but share your life with someone.
What Doesn’t Intestacy Cover?
Even when the rules are followed, they only apply to the estate – the assets owned solely by the deceased. Some things pass outside of these rules entirely:
- Jointly owned property (like a home held as joint tenants)
- Life insurance or pensions with named beneficiaries
- Trust-held assets
These usually go directly to the surviving owner or named person. That said, they still count towards the total estate value for inheritance tax purposes, so it’s not a clean break.
Problems With the Rules of Intestacy
While the rules are clear, they’re also rigid. And life isn’t always so neatly defined.
Some of the issues we see most often include:
- Stepchildren being excluded
- Unmarried partners left out entirely
- Family disputes over sentimental assets
- Estates split in ways the deceased likely never intended
- Minor children inheriting large sums without proper financial planning
It’s one of the reasons we always encourage people to think about putting a will in place – sooner rather than later. If you’re unsure where to start, our team offers practical guidance, including legal help for families with deputyship needs if a loved one’s capacity is also an issue.
Who Administers the Estate Under Intestacy?
When there’s no will, no executor is named – so someone has to step up. Typically, it’s the next of kin who applies to become the administrator of the estate. They’ll need to apply for Letters of Administration, which grant them legal authority to deal with the estate.
Their role is similar to that of an executor, but the path is a little longer, and the process can be more tightly scrutinised by the court – particularly where large estates or family tension are involved.
Can the Rules Be Challenged?
Short answer: yes – but it’s not easy, and not always successful.
Certain individuals, such as cohabiting partners, adult children, or anyone financially dependent on the deceased, can apply to the court for reasonable provision from the estate. These cases are assessed on need, relationship, and evidence – not just entitlement.
If you’re in a situation where this may apply, our team is available to help you navigate it. You might also want to read our guide on can a will be contested – much of the same thinking applies when trying to claim under intestacy.
Final Thoughts
The intestacy rules in England and Wales are strict, and while they provide a necessary structure, they’re not always fair – or reflective of what someone might have wanted.
They favour legal ties over emotional or practical ones, and they don’t allow for nuance. No adjustments for estranged siblings, no recognition of long-term partners, no flexibility for complex family dynamics.
Which is why we always say: don’t leave it to chance.
Writing a will isn’t just a formality. It’s how you make sure your voice is heard when you’re no longer here to speak. And if you’re already dealing with an estate affected by intestacy, Ash Hill Solicitors is here to help you understand your rights and options – and guide you through each step of the process with clarity and care.
Author Bio:
Nasreen Akhter is the founding director of Ash Hill Solicitors and an experienced probate solicitor with over 10 years in private client law. She specialises in wills, estate administration, powers of attorney, and inheritance planning. Known for her calm, compassionate approach, she guides clients through sensitive matters with clarity and care.
Nasreen is also a civil and commercial mediator, committed to resolving disputes efficiently and constructively. She is fully accredited and listed on the Solicitors Regulation Authority (SRA) register.
Outside of work, she’s a dedicated mum and chairs Happy Orphans Worldwide, a charity supporting vulnerable children across the globe.
