If you do not have a Will, you have no say over what happens to your assets when you die and this can cause difficulties for those you care about most.

Because of this, everyone should have a Will; this is particularly true if you own property, are married, have entered a civil partnership or have a long-term partner. It also applies if you have children or other dependants, or if you wish to leave something to someone who is not a close family member.

It is a common belief that, if you are married or in a civil partnership, your spouse or civil partner will automatically inherit everything you own when you die. In fact, the law sets out rules that determine how your assets are to be divided if you should die without leaving a Will.

The rules are intended to be fair, but they may not suit you. For example, if your spouse or civil partner and children survive you, your assets will be divided among them in fixed proportions that may not suit your family.

Equally, the rules make no provision for a partner if you are not married or in a civil partnership, even if you have lived together for many years. It is possible to write your own Will, but it is a good idea to seek professional advice.