Martin Lewis has issued a 'crucial' warning to couples living together who aren't married. Mr Lewis explained how in the eyes of the law, your partner won't automatically inherit anything when you die unless you have a will in place.

Speaking on the ITV The Martin Lewis Money Show tonight, Mr Lewis took viewers through the 'crucial' importance of wills both for married and unmarried couples. The Money Saving Expert founder said: "If you've got assets, do a will, that way you decide where the money goes.

"And a special point to anyone who is cohabiting - you're not married, you're not in a civil partnership. If you've been living together for 30 years and you've got 9 children, it still means nothing in the law when it comes to a will.

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"Your partner wouldn't get anything under the intestacy rules which are what dictate what happens when you die without a will. So a will is crucially important for you." Mr Lewis added: "It's also important to note that wills everywhere but Scotland are revoked when you get married so if you had a will and you got married, you no longer have a will in most cases so you need to do one again.

"Worth everybody being aware of that and also if your circumstances change and you've got a will from 20 years ago, leaving it to your ex husband or wife, you might want to change it and make sure it's up-to-date. Again, how it works if you die without a will depends on which part of the UK you're in but let's say in England, the first £320,000 would go to your spouse, your husband or wife.

"And then the rest, the spouse would get half and the children would get half. And it's not necessarily what you want which is why you do a will."