What is a prenuptial agreement, and do you need one?

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Getting married is an exciting time, and no one likes to consider the implications of a relationship break down before a wedding.

According to the Office for National Statistics, in 2021, there were 113,505 divorces granted in England and Wales, a 9.6% increase compared with 2020 when there were 103,592 divorces. 

Although it may be an uncomfortable topic to discuss, you may wish to consider signing a prenuptial agreement before entering into a civil partnership or marriage.

So, what is a prenuptial agreement, and do you need one to protect your assets in the event of a divorce?

What is a prenuptial agreement?

A prenuptial agreement, often referred to as a “prenup” or “premarital agreement,” is a legal contract entered into by a couple before they get married or enter into a civil partnership. A prenuptial agreement outlines how the couple’s assets, debts, and other financial matters will be divided in the event of a divorce or the dissolution of the civil partnership.

Some of the main things included in a prenuptial agreement are:

  • Division of assets: The agreement can specify how the couple’s assets, including property, investments, and other possessions, will be distributed in the event of a divorce or separation.one of the primary purposes of a prenuptial agreement is to protect pre-marital property and assets. In a prenup, individuals can specify how their pre-marital assets, such as property, investments, businesses, or other possessions acquired before the marriage, should be treated in the event of a divorce or dissolution of the civil partnership.
  • Spousal maintenance: It may include provisions regarding spousal maintenance or alimony, determining whether one party will provide financial support to the other after the dissolution of the marriage or civil partnership.
  • Debts and liabilities: The agreement may address how debts and liabilities will be allocated between the spouses in case of separation.

It’s important to note that while prenuptial agreements are legally recognised in England and Wales, they are not automatically legally enforceable. The court will consider various factors, including the fairness of the agreement, the financial needs of both parties, and the welfare of any children involved.

Do you need a prenuptial agreement?

There are various reasons why individuals may choose to enter into a prenuptial agreement before getting married or entering into a civil partnership. Some common reasons include:

Protecting assets:

One of the primary motivations for a prenuptial agreement is to protect pre-existing assets, such as property, investments, businesses, or inheritances, in the event of a divorce or dissolution. The agreement can outline how these assets should be divided, helping to preserve individual financial interests.

Clarifying financial expectations:

Prenuptial agreements can help couples clarify their financial expectations and responsibilities during the marriage. This includes addressing issues such as joint finances, spousal support, and division of debts.

Business interests:

Individuals with business interests may use prenuptial agreements to safeguard their business assets and define the terms of involvement or non-involvement of the spouse in the business.

Protecting children from previous relationships:

Individuals with children from previous marriages or relationships may use prenuptial agreements to secure financial provisions for their children, ensuring that their assets are protected and inherited by their biological or adopted children.

Debt protection:

Prenuptial agreements can outline how debts acquired during the marriage will be divided, protecting each spouse from being solely responsible for the other’s debts in the event of a divorce.

Financial planning and security:

Couples may use prenuptial agreements as part of their overall financial planning, providing a sense of security and transparency regarding financial matters.

Cultural or religious considerations:

In some cases, cultural or religious beliefs may influence a couple’s decision to enter into a prenuptial agreement to address financial matters in accordance with their cultural or religious principles.

Addressing differences in earning capacity:

If there is a significant difference in the earning capacity of the spouses, a prenuptial agreement can be used to address issues related to spousal support, ensuring fairness in the financial arrangements.


Are prenuptial agreements legally binding?

In England and Wales, prenuptial agreements are not automatically legally binding. However, they can carry significant weight in divorce settlements, and the courts may uphold them if certain conditions are met. The key factors that influence the enforceability of a prenuptial agreement include:

Full and fair financial disclosure:

Both parties must provide full and honest disclosure of their financial situations before entering into the agreement. If there is evidence of incomplete or misleading information, the court may be less likely to enforce the agreement.

Independent legal advice:

It is strongly recommended that both parties seek independent, expert legal advice before signing a prenuptial agreement. This ensures that each party understands the implications of the agreement and enters into it voluntarily.

No duress or unconscionable terms:

The agreement must be entered into freely, without any undue pressure or coercion. If one party was forced or pressured into signing the agreement, or if the terms are grossly unfair, the court may set aside the agreement.

Consideration of future circumstances:

The agreement should take into account the potential changes in circumstances, such as the birth of children or significant changes in income, to ensure that it remains fair and reasonable over time.

While prenuptial agreements are not automatically binding, recent legal developments in England and Wales have given more weight to such agreements, especially if they meet the above criteria. The courts will consider them as one of the factors when determining financial settlements in divorce or dissolution cases. However, each case is unique, and the court has the discretion to make decisions based on the specific circumstances of the individuals involved.

To enhance the enforceability of a prenuptial agreement, both parties should fully disclose their financial situations, seek independent legal advice, and ensure that the agreement is entered into voluntarily without duress.

It is advisable for individuals seeking a prenuptial agreement to consult with a family law solicitor to ensure that the agreement is drafted in accordance with the relevant legal requirements and that it provides fair and reasonable provisions for both parties.

When should a prenuptial agreement be made?

A prenuptial agreement should ideally be made well in advance of the wedding or civil partnership ceremony. Here are some considerations for when a prenuptial agreement should be made:

Well before the wedding:

It’s advisable to start the process of creating a prenuptial agreement well in advance of the wedding or civil partnership. Rushing the process at the last minute may lead to legal complications or raise questions about the agreement’s voluntariness.

Ample time for negotiation:

Creating a prenuptial agreement involves negotiation between the parties. Starting the process early allows sufficient time for open and honest discussions about financial matters, and it helps ensure that both parties have the opportunity to seek independent legal advice.

Before financial entanglement:

It’s best to create a prenuptial agreement before significant financial entanglement occurs between the parties. This includes joint purchases, shared bank accounts, or significant financial contributions to each other’s assets. Establishing the agreement early can help clearly delineate separate and joint property.

Before marriage plans are finalised:

Couples should consider creating a prenuptial agreement before finalising wedding plans. This can help avoid potential stress or complications associated with introducing a legal document into the planning process late in the game.

Full disclosure:

To ensure the enforceability of a prenuptial agreement, both parties need to provide full and honest disclosure of their financial situations. Starting the process early allows for this disclosure and helps build trust between the parties.

Before cohabitation or marriage:

Prenuptial agreements are typically created before the couple begins living together or getting married. However, it’s still possible to create a similar document, often called a postnuptial agreement, after the marriage or civil partnership has occurred.


Can a prenup be challenged?

Yes, it is possible to challenge a prenuptial agreement, but the grounds for challenging it may vary depending on the jurisdiction. In England and Wales, where prenuptial agreements are recognised but not automatically binding, certain circumstances may give rise to a challenge. Some common reasons to challenge a prenuptial agreement include:

Lack of full and fair disclosure:

If one party failed to provide full and honest disclosure of their financial situation before entering into the agreement, it may be challenged on the grounds of incomplete information.

Duress or coercion:

If one party was pressured or coerced into signing the agreement against their will, it may be considered voidable. A prenuptial agreement should be entered into voluntarily without undue influence.

Unconscionable terms:

If the terms of the prenuptial agreement are grossly unfair or one-sided, a court may be more inclined to set aside the agreement. The court will consider the fairness of the provisions, especially in relation to the financial needs of both parties.

Lack of independent legal advice:

It is generally recommended that both parties seek independent legal advice before signing a prenuptial agreement. If one party did not have the opportunity to consult with a lawyer or did not fully understand the implications of the agreement, it may be challenged.

Changes in circumstances:

If circumstances have changed significantly since the agreement was signed, such as the birth of children or a substantial change in financial status, a court may consider these changes when assessing the fairness of the agreement.

How can the Expert Family Law team assist?

Are you still asking the question “what is a prenuptial agreement?” Our team can put you in touch with a family law solicitor from our panel who can assist with prenuptial agreements, postnuptial agreements, and other divorce issues including high net worth divorces.

Get in touch today using the form at the top of the page to find out if a divorce solicitor from our panel could help on your case.

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