10th May 2024

What is a Cohabitation Agreement

What is a Cohabitation Agreement?

Cohabitation agreements have gained significant recognition and importance in the United Kingdom as the dynamics of relationships continue to evolve. In recent years, the number of couples choosing to cohabit rather than marry has increased, leading to a greater need for legal frameworks to protect their interests. A cohabitation agreement is a legal document that outlines the rights and responsibilities of unmarried couples who live together.

What are the benefits of a Cohabitation Agreement?

One of the primary purposes of a cohabitation agreement is to outline the financial arrangements between partners. This includes agreements on how assets and debts will be divided in the event of separation or death. Without a formal agreement in place, unmarried couples may find themselves in a vulnerable position, as the laws governing cohabitation are less clear-cut than those governing marriage. In the absence of a cohabitation agreement, disputes over property, finances, and other assets can become protracted and emotionally draining.

Furthermore, a cohabitation agreement can help couples establish guidelines for day-to-day living arrangements. This may include decisions about household chores, expenses, and other practical matters. By addressing these issues upfront, couples can avoid future misunderstandings and conflicts that may arise later on.

What should I include in a Cohabitation Agreement?

Whilst every cohabitation agreement is different and contingent upon your individual circumstances, there are a few key elements that you should consider:-

  • Property owned prior to cohabiting- if one partner owns a property separately from their partner, a cohabitation agreement can outline that this asset is to be kept separate so that the other partner cannot have a claim over it.
  • Property jointly purchased- if you purchase a property together but only one partner is named on the agreement, a cohabitation agreement can record the beneficial ownership of the property, along with the proportion each partner is entitled to.
  • Household bills- how bills are to be divided if the relationship breaks down.
  • Inheritance and Wills- it is crucial to remember that as you are not married or in a civil partnership, you will not automatically inherit the other’s estate should one of you pass away. Therefore, having an up to date Will that sets out how your estate will be divided is important should you wish to leave anything to your partner. 

Are Cohabitation Agreements legally binding in the UK?

In the United Kingdom, cohabitation agreements are not legally binding in the same way that marriage contracts are. However, they are still considered valid legal documents and can be enforced by the courts if they meet certain criteria. In order to be legally enforceable, a cohabitation agreement must be entered into voluntarily by both parties, with full understanding and disclosure of each other’s financial circumstances. Additionally, the agreement must be fair and reasonable, taking into consideration the needs of both partners and any children involved.

Despite the growing recognition of cohabitation agreements in the United Kingdom, there are still certain limitations and challenges associated with them. For example, there is no guarantee that a cohabitation agreement will be upheld by the courts, especially if it is deemed to be unjust or one-sided. Furthermore, there may also be practical challenges in enforcing the terms of the agreement, particularly if one partner refuses to comply.

In conclusion, cohabitation agreements play a crucial role in safeguarding the rights and interests of unmarried couples in the United Kingdom. By outlining financial arrangements and establishing guidelines for living together, these agreements can assist couples in avoiding disputes and conflicts in the event of separation or death. While cohabitation agreements may not be legally binding in the same way as marriage contracts, they still offer considerable legal protection and peace of mind for couples choosing to cohabit.

Potential reform

It is also worth noting that pressure is being placed on the government to reform the law on cohabitation, to afford cohabiting couples more protection and keep up with current trends. Until and unless such reform is approved, any advice will be based on current law, but this could soon be subject to change.


It is crucial for couples considering a cohabitation agreement to seek legal advice to ensure that their agreement is properly drafted and executed. Our team of family lawyers can provide valuable guidance and help couples navigate the complexities of drafting a cohabitation agreement. This may include advising on the specific terms to include in the agreement, as well as ensuring that it complies with relevant legal requirements. If you would like to find out more or arrange a consultation, please do call Antonia Clarke on 01730 268211. Your enquiry will be completely confidential.