Just married

Coastalkate

So we just got married, thought 30 years a reasonable trial beforehand, so need to notify. But who? I thought HMRC but there isn't an obvious requirement unless you are claiming Marriage allowance, do I need to notify HMRC anyway? I'm not changing my name. So pension provider, house, travel and car insurance, anyone else? Thanks very much.

twopenny

Congratulations 🎉

Your will? Is it suitably worded and doesn't change because of marital status?

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6677910/just-married

Congrats…

Not many places, is the honest answer, unless you are changing your title. Technically insurers generally want to know marital status. Pensions may be sensible but normally these things are dealt with at the point it goes into payment or at the point of your death.

Anyone who you have given a next of kin to may appreciate the update as a "spouse" may have more authority to make decisions than a "partner" if you are unable to give consent for some reason

Hopefully you have read the pension scheme docs to know how it reacts, some are written on spouse at date of retirement, others are at date of death for any spousal allowance. Many, but not all, will pay people living like a spouse and not just those formally married too.

To expand on the will point, the marriage will automatically invalidate any previous wills unless there was very specific wording considering this marriage when they were drafted. Worth doing a refresh anyway ideally to avoid the risk of them being challenged if the wording wasnt best drafted

Keep_pedalling

https://forums.moneysavingexpert.com/discussion/comment/82084650#Comment_82084650

If the OP had a will prior to marriage, unless it was written in contemplation of marriage, is going to be invalid so a new will is required.

Coastalkate

Thank you. That's helpful. Will I did at the same time, with the same witnesses.

Thanks for the other information.

Albermarle

For your pension provider it can be important to know.

Most DB pensions will only payout to a spouse or civil partner and if you have registered your new spouse with them it will avoid any possible future complications.

For DC pensions you always need to nominate a beneficiary, and again best that records are up to date.