“It Feels Like an Awkward Conversation… So We’ve Been Avoiding It.”

That’s completely understandable.

Talking about what happens if a relationship ends isn’t easy, whether you’re living together, in a civil partnership, or somewhere in between.

But avoiding the conversation doesn’t remove the risk. It simply delays it.

Here are some honest considerations when it comes to cohabitation agreements:

They’re not completely bulletproof

Cohabitation agreements are generally upheld, but only if properly prepared.

They can be challenged if there’s pressure, misunderstanding, or lack of transparency. This is why independent legal advice is important.

There is a cost involved

Putting a proper agreement in place does require investment.

However, many see it as a small, controlled cost now compared to a potentially much larger and uncertain cost later.

It can feel uncomfortable to bring up

This is often the biggest barrier.

It can feel like you don’t trust your partner or that you’re planning for failure.

In reality, it’s much closer to:

"We’re being practical about our future."

Framing it like insurance, something you hope never to use, can help shift that perspective.

So when is the right time?

Ideally before buying a property together.

But realistically, at any stage, even after moving in.

The key is that the decision is made freely, calmly, and with full understanding on both sides.

A cohabitation agreement isn’t about doubting your relationship.

It’s about removing uncertainty so you can focus on building your life together, with confidence.

While cohabitation agreements can feel uncomfortable to discuss, addressing them early helps reduce risk, prevent future conflict, and create stronger financial clarity.

Thinking about having that conversation?

Elizabeth Stocker, consultant solicitor specialising in family law and cohabitation agreements, can support you in approaching it with confidence and clarity.