Home · Personal · Legal & Admin · Contracts & agreements

NO

As of 13 August 2026, AI cannot draft a cohabitation agreement.

This still needs a person who signs their name to it.

Can you do it?

15 minutesto a draft.

n/ait cannot be self-verified.

Cost, all in£0

Skill neededchat-fluent

Who has to check ita professional

What the alternative costsA solicitor is the human alternative for checking whether the agreement suits your circumstances; no price is stated in the supplied tool data.

If this goes wrong, an unclear or ineffective agreement can leave a dispute about property, money or responsibilities to be resolved later.

What to actually do

  1. Hand it to a person

    The route this page recommends

    Someone with a licence or accountable authority has to sign this before it counts.

  2. Use a tool built for this

    Second choice

  3. Do it yourself

    The distant third

    A chat interface gets you a draft, but you cannot verify it yourself. That is the catch.

    How to actually do it

    1. Open a document and record your UK jurisdiction, relationship status, home ownership or tenancy, mortgage or rent arrangements, dependants, major assets, debts and any existing agreements.
    2. Ask your partner separately what you each intend to happen to the home, deposits, mortgage payments, bills, possessions, savings and debts if you separate, then record the points you agree and disagree on.
    3. Gather supporting documents such as the title information or tenancy agreement, mortgage statement, evidence of deposits, contribution records, details of joint accounts and any existing wills or declarations of trust.
    4. Paste the facts, documents in redacted form and agreed intentions into the prompt, then ask the AI to produce the marked-up first draft and the unresolved-decision list.
    5. Compare every factual statement and proposed percentage or responsibility in the draft against your documents and your written intentions, removing anything that is assumed or invented.
    6. Send the draft, unresolved questions and supporting documents to a solicitor in the relevant UK jurisdiction, and ask them to advise on enforceability, property ownership, trusts, wills and any children or inheritance issues before you sign.

    Prompt

    Act as a drafting assistant, not a solicitor. I want an informational first draft of a cohabitation agreement for two unmarried partners living in [UK jurisdiction]. Use only the facts I provide and mark every missing fact, assumption and legal issue that needs a solicitor's review. Do not invent ownership percentages, financial contributions, property values, debts, children, pension arrangements or intentions. Structure the draft in plain English with sections for the home and other property, deposits and mortgage payments, bills and household costs, bank accounts and debts, ownership of possessions, gifts and inheritances, what happens if we separate, dispute resolution, death and estate planning issues, review dates and signatures. For each clause, briefly state what decision we still need to make. Distinguish clearly between a proposed clause and a legal warning. Flag matters that may need separate wills, declarations of trust, advice on property ownership or advice about children. Do not claim that the agreement is binding or enforceable. End with a solicitor-review checklist and a list of documents and figures we should gather. Here are our facts and agreed intentions: [paste facts and intentions here].

    Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.

What it gets wrong

  • AI cannot decide whether your proposed division of property or finances is fair for your circumstances.
  • AI cannot confirm that the agreement will be enforceable or fit with the law of your UK jurisdiction.
  • AI cannot replace advice on declarations of trust, wills, inheritance, mortgages or children.
  • AI cannot independently establish whether your account of ownership, contributions and intentions is complete.
  • AI cannot take responsibility if the agreement fails during a separation or dispute.

What makes this a NO: legal accountability, verification cost and judgement under ambiguity.

How we scored this

Five axes, each scored nought to two by hand: ten means AI carries the task cleanly, and the thresholds that turn a total into YES, PARTLY or NO are published in the methodology. Each axis name links to its definition.

AxisScore (0–2)
Output2
Inputs1
Verification0
Liability0
Effort delta1
Total4 / 10

The methodology and its thresholds are published in full.

FAQ

Can AI write a cohabitation agreement?
Yes, AI can produce a useful first draft from the facts and decisions you provide. It cannot confirm that the draft is fair or enforceable, so a solicitor should review it before you sign.
Is a cohabitation agreement legally binding in the UK?
It may help record your intentions, but its effect depends on the wording, facts, formalities and the relevant UK jurisdiction. Do not assume that an AI-generated document is binding; ask a solicitor to assess it.
What should be included in a cohabitation agreement?
It commonly covers the home, deposits, mortgage or rent, bills, possessions, savings, debts and what happens if you separate. It may also raise separate issues about declarations of trust, wills, inheritance and children, which need appropriate professional advice.
Do we need a solicitor for a cohabitation agreement?
For a serious agreement involving property, substantial money, children, inheritance or unequal contributions, you should have a solicitor review it. This is not professional advice, and each partner may need independent legal advice about their own position.

Nearby answers

All Contracts & agreements rulings

Assessed by gpt-5.6-luna (gpt-5.6-luna) on 2026-08-13, second-checked by an independent model. Wrong somewhere? Email [email protected] and it gets re-checked.

The newsletter

AI news, new answers and product picks, straight to your inbox.