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Wills & Estate Planning

Disinheriting a Child: What You Need to Know

In England and Wales you can leave a child out of your will, but a will alone does not always settle the matter, because an adult or minor child may still bring a claim.

9 min read · Written by the Fairchild Oldfield team · Last reviewed: July 2026

6 months
The usual window for a child to apply for reasonable financial provision under the Inheritance Act 1975, running from the date a grant of representation is taken out, unless the court gives permission to apply later.

Yes, in England and Wales you can disinherit a child, because the law generally lets you leave your estate to whoever you choose. What you cannot do is remove every possibility of a claim: a child, including an adult child, may apply to the court for reasonable financial provision under the Inheritance (Provision for Family and Dependants) Act 1975.

This creates a gap between what a will says and what may finally happen. A well-drafted will still matters, but so does understanding who can challenge it and why. This guide explains the freedom you have, the limits on it, and the steps many people consider to make their wishes harder to unsettle. It forms part of our wider estate planning guide. Figures and rules are current as at July 2026 and are subject to change.

Can you disinherit a child in the UK?

In England and Wales you can. The starting point is testamentary freedom: you may leave your estate to whoever you wish, and there is no rule forcing you to include a child. You can name other beneficiaries, or leave a child a smaller share than their siblings. The important qualification is that leaving a child out of a will does not, by itself, prevent that child from later asking a court for provision from the estate.

There is no forced heirship in England and Wales

Unlike some European countries, England and Wales has no forced heirship rule that reserves a fixed share of an estate for children. You are generally free to distribute your estate as you choose in a valid will. That freedom is real, but it sits alongside the Inheritance Act 1975, which lets certain people ask the court to intervene where a will, or the intestacy rules, do not make reasonable financial provision for them.

You are free to decide who inherits. That freedom is not the same as a guarantee that the estate will pass exactly as written.

It is worth separating two things. If you die without a valid will, the intestacy rules decide who inherits, children are among those who may benefit, and an unmarried partner receives nothing under those rules (gov.uk, who can inherit if there is no will, as at July 2026, subject to change). Disinheriting a child is a deliberate choice made in a will, which is a different situation from the estate simply falling to the intestacy rules.

The main limit

The Inheritance Act 1975

The Inheritance (Provision for Family and Dependants) Act 1975 is the reason disinheriting a child is rarely the end of the story. It lets the court order provision from an estate where a will, or intestacy, does not make reasonable financial provision for an eligible applicant, and a child of the deceased is one of the categories who may apply (legislation.gov.uk, 1975 Act, s.1, as at July 2026, subject to change).

A claim by a child who is not the deceased's spouse is generally assessed against what would be reasonable for their maintenance, rather than an equal share, and the court weighs a list of factors including the applicant's needs and resources and the size of the estate (legislation.gov.uk, 1975 Act, s.3, as at July 2026, subject to change). An adult child can apply, though success is not automatic and depends heavily on the facts.

For the wider dispute picture, see our note on contesting a will and on Inheritance Act 1975 claims.

The application window

6 months

A 1975 Act claim is usually brought within six months of the grant of representation, though the court may allow a late application in some cases (legislation.gov.uk, 1975 Act, s.4, as at July 2026, subject to change).

Who can bring a claim, and on what basis

Not everyone can challenge a will, and the 1975 Act sets out defined categories of applicant. A child of the deceased, whether a minor or an adult, can apply, and so can a person the deceased treated as a child of the family, such as a stepchild in some circumstances (legislation.gov.uk, 1975 Act, s.1, as at July 2026, subject to change). The table below sets out the main routes and how they differ.

RouteWhat it arguesTypical applicant
Inheritance Act 1975 claimThe will or intestacy fails to make reasonable financial provisionA child, adult child, or child of the family
Validity challengeThe will is invalid, for example lack of capacity or undue influenceSomeone who would inherit if the will failed
Construction or rectificationThe will's wording is unclear or does not reflect the intentionA beneficiary or personal representative

General categories drawn from legislation.gov.uk, 1975 Act, s.1, as at July 2026, subject to change. See contesting a will for the validity routes.

A financial provision claim and a validity challenge are different arguments. The first accepts the will is valid but says it does not provide reasonably for the applicant. The second says the will should not stand at all. A disinherited child might, depending on the facts, consider either, which is one reason careful drafting and clear records tend to matter.

Steps some people consider to reduce the risk of a claim

You cannot guarantee that a will is claim-proof, but there are recognised steps that may make a disinheritance harder to unsettle. These are general points, not a recipe for any particular family, and it can be worth discussing them with a qualified professional who can weigh your circumstances.

  1. A clear, valid will. A properly drafted and correctly executed will reduces the room for a validity challenge and shows your intentions plainly.
  2. A letter of wishes. A separate, non-binding letter explaining why a child has been left out can help the court understand your reasoning, though it does not bind anyone.
  3. Contemporary records. Notes made at the time, and evidence of capacity, can support the position that the decision was considered and freely made.
  4. Reviewing after life changes. Many people revisit a will after a family estrangement, reconciliation, marriage or divorce, since an out-of-date will can create confusion.

None of these steps removes the possibility of a 1975 Act claim, because that right sits in statute (legislation.gov.uk, 1975 Act, s.1, as at July 2026, subject to change). They may, however, put the estate in a stronger position if a dispute arises. This is an area where many people choose to take advice from a solicitor rather than rely on a template.

A worked example (illustration only). A father leaves a valid will giving his whole estate to one of his two adult children and nothing to the other, from whom he was estranged for many years. The excluded child is financially independent. Under the 1975 Act they could apply within about six months of the grant of representation for reasonable financial provision (legislation.gov.uk, 1975 Act, s.4, as at July 2026, subject to change). Whether a court would order anything would turn on the section 3 factors, including the child's needs, resources and conduct, and the size of the estate (legislation.gov.uk, s.3, as at July 2026, subject to change). An independent adult often faces a harder case than a dependent child, but outcomes vary widely, so this is general information rather than a prediction for any real family.

If you are thinking it through

How the decision tends to be approached

I

Be clear on intent

Decide who you want to benefit and why, and record the reasoning.

II

Make a valid will

Have it properly drafted and executed so it is harder to challenge on validity.

III

Add a letter of wishes

Explain a disinheritance in a separate, non-binding note for context.

IV

Review over time

Revisit the will after estrangement, reconciliation or other family change.

Disinheriting a child in Scotland and Northern Ireland

This guide describes the law of England and Wales, where the 1975 Act applies. Scotland is different: its succession law gives a spouse, civil partner and children legal rights to a fixed share of the moveable estate, such as money and possessions, which cannot simply be removed by a will, so a full disinheritance of a child is harder there. Northern Ireland has its own family provision legislation that is broadly similar in aim to the England and Wales regime. Where an estate touches more than one UK nation, it can be worth taking advice in each. For the foundations, see How to Write a Will.

Frequently asked questions

Can I legally disinherit my child in the UK?

In England and Wales you generally can, because there is no forced heirship reserving a share for children. You may leave your estate to whoever you choose in a valid will. However, a child, including an adult child, may apply to the court for reasonable financial provision under the Inheritance Act 1975 (legislation.gov.uk, s.1, as at July 2026, subject to change), so a claim remains possible.

Can an adult child contest being left out of a will?

They can apply, though success is not guaranteed and depends on the facts. An adult child can bring an Inheritance Act 1975 claim for reasonable financial provision, but the court weighs factors such as their needs, resources and the size of the estate (legislation.gov.uk, s.3, as at July 2026, subject to change). A financially independent adult often faces a more difficult case than a dependent applicant.

How long does a child have to make a claim?

The usual window is six months from the date the grant of representation is taken out, although the court can give permission to apply later in some cases (legislation.gov.uk, s.4, as at July 2026, subject to change). Because timing can be tight and evidence matters, people considering or facing a claim often take legal advice promptly rather than waiting.

Does a letter of wishes stop a child claiming?

No, it cannot prevent a claim, because the right to apply comes from statute (legislation.gov.uk, s.1, as at July 2026, subject to change). A letter of wishes is a non-binding note explaining your reasons, which a court may find helpful when deciding what is reasonable. Many people include one alongside a valid will, but it supports rather than replaces careful drafting.

Is disinheriting a child the same as writing them out for tax reasons?

No. Disinheriting a child is a decision about who benefits, not a tax strategy, and it does not by itself change the inheritance tax due. The standard inheritance tax rate is 40% on the part of an estate above the available tax-free bands (gov.uk, as at July 2026, subject to change). Who you leave the estate to can affect reliefs, so it can be worth taking advice.

Should I tell my child I have left them out?

There is no legal requirement either way, and it is a personal decision. Some people choose to explain their reasons during their lifetime or in a letter of wishes, which may reduce surprise and later dispute. Others prefer not to. Because the choice can affect family relationships and the strength of any future claim, many discuss it with a qualified professional first.

About Fairchild Oldfield

The Fairchild Oldfield team brings together estate planning, tax, independent financial advice and client care, working with families across England and Wales.

Fairchild Oldfield are estate planning specialists and will writers, not a firm of solicitors. This article is general information based on practical experience, not legal, tax or financial advice.

Important: This article is general information only and is not legal, tax or financial advice. Reading it does not create a professional relationship. It is based on the law of England and Wales, and other UK jurisdictions may differ. Figures and rules are current as at July 2026 and are subject to change. Before acting, many people choose to seek advice from a suitably qualified professional, such as a solicitor, a STEP practitioner, an accountant, or an FCA-authorised financial adviser, who can consider your individual circumstances.

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