Missing Will Insurance

Missing Will Insurance
Missing Will Insurance
Full Overview Of Missing Will Insurance

Missing will insurance is a specialised form of indemnity insurance designed to protect beneficiaries, executors, and administrators when the original will of a deceased person cannot be found. This insurance safeguards against potential claims from unknown or unexpected heirs who may challenge the distribution of the estate based on the assumption that the deceased’s final will has not been located or properly executed.

This overview aims to provide a detailed understanding of missing will insurance, including its purpose, benefits, legal implications, and practical considerations.

What Is Missing Will Insurance?

Missing-will insurance, also known as lost-will insurance, is a type of indemnity insurance policy that offers protection in scenarios where the original will of a deceased individual is missing. This situation can arise due to various reasons, such as the will being lost, destroyed, or misplaced. Without the original will, there can be significant uncertainty and legal challenges regarding properly distributing the deceased’s estate.

The primary purpose of missing will insurance is to mitigate the risks associated with these uncertainties. It provides financial protection to the beneficiaries named in a presumed will or the estate administrators by covering potential legal costs and claims from individuals who might assert that a different will exists or that they have a rightful claim to the estate.

The Need for Missing Will Insurance

Loss or Destruction of the Will

Wills can be lost or destroyed due to various circumstances, including natural disasters, accidental destruction, or negligence. When the original document cannot be found, it creates a legal vacuum that can lead to disputes and challenges.

Legal and Administrative Complexities

The absence of an original will can complicate the probate process. Probate courts typically require the original will to validate and execute its terms. Without it, the estate may be subject to intestacy laws, which distribute assets according to a statutory formula that may not reflect the deceased’s wishes.

Potential Claims and Disputes

The absence of a will increases the risk of claims from potential heirs who might argue that they are entitled to a share of the estate. These disputes can lead to lengthy and costly legal battles, depleting the estate’s value and delaying distribution.

Benefits of Missing Will Insurance

Missing will insurance offers several significant benefits, making it a valuable consideration for executors, administrators, and beneficiaries:

Financial Protection

The primary benefit of missing will insurance is financial protection. It covers legal costs and potential claims from individuals contesting the distribution of the estate. This ensures the estate’s value is preserved and beneficiaries receive their intended shares.

Peace of Mind

For executors and administrators, missing will insurance provides peace of mind. It alleviates concerns about potential legal challenges and the associated financial risks, allowing them to focus on administering the estate according to the presumed wishes of the deceased.

Streamlined Probate Process

With missing will insurance in place, the probate process can proceed more smoothly. The insurance policy serves as a safeguard, reducing the likelihood of disputes and ensuring that the estate can be distributed promptly.

Protection Against Unknown Heirs

Missing will insurance protects against claims from unknown or unexpected heirs who may come forward after the estate has been distributed. This is particularly important in cases where the deceased may have had distant relatives or undisclosed relationships.

Missing will insurance involves several legal considerations that must be carefully addressed to ensure its effectiveness and compliance with relevant laws.

Verification of Missing Status

Before obtaining missing will insurance, it is essential to demonstrate that reasonable efforts have been made to locate the original will. This may involve searching the deceased’s personal effects, contacting solicitors who may have drafted or stored the will, and checking with relevant institutions.

Affidavit of Due Diligence

An affidavit of due diligence is often required when applying for missing-will insurance. This document details the steps taken to locate the will and affirms that it cannot be found. It is a crucial part of the application process and must be prepared accurately.

Terms and Conditions of the Policy

Understanding the terms and conditions of the missing will insurance policy is essential. This includes knowing the coverage limits, exclusions, and specific circumstances under which the policy will pay out. Legal advice may be necessary to ensure the policy meets the estate’s needs.

Notification Requirements

The policy may include notification requirements, obligating the insured to inform the insurance company of any potential claims or disputes as soon as they arise. Failure to comply with these requirements can invalidate the coverage.

Duration of Coverage

Missing will insurance policies typically provide coverage for a specified period. It is important to understand the duration of the coverage and whether it can be renewed or extended if necessary.

Practical Considerations

When considering missing will insurance, executors, administrators, and beneficiaries should consider several practical aspects to ensure the process is handled efficiently and effectively.

Conducting a Thorough Search

Before applying for missing will insurance, a comprehensive search for the original will should be conducted. This includes checking all possible locations where the will might be stored, such as safes, bank safety deposit boxes, and solicitors’ offices.

Gathering Supporting Documentation

Supporting documentation, such as the deceased’s previous wills, correspondence with solicitors, and any notes or records indicating their testamentary intentions, can be helpful when applying for missing will insurance. These documents provide context and support the claim that the will is genuinely missing.

Consulting with Legal Professionals

Engaging with legal professionals who specialise in estate planning and probate law is advisable. They can provide guidance on the application process, help prepare the necessary documentation, and ensure that the insurance policy adequately protects the estate.

Communicating with Beneficiaries

Clear communication with beneficiaries is essential when dealing with a missing will. Informing them of the situation, the steps to locate the will, and the decision to obtain missing will insurance helps manage expectations and reduce the risk of disputes.

Reviewing Estate Planning Practices

The issue of a missing will underscores the importance of robust estate planning practices. Individuals should consider storing their wills in secure locations, informing trusted individuals of their whereabouts, and periodically reviewing and updating their estate planning documents.

Case Studies

To illustrate the application and implications of missing will insurance, consider the following case studies and examples:

The Lost Will of Mr. Thompson

Mr. Thompson, a wealthy entrepreneur, passed away suddenly, leaving behind a substantial estate. His family knew he had a will, but the original document could not be found despite extensive searches. The absence of the will led to significant uncertainty and potential disputes among his heirs.

To safeguard the estate and ensure an orderly distribution, Mr. Thompson’s executors decided to obtain missing will insurance. They conducted a thorough search, documented their efforts, and provided the insurance company with an affidavit of due diligence. The policy covered legal costs and potential claims from unknown heirs.

With the insurance in place, the executors proceeded with the probate process, distributing the estate according to Mr. Thompson’s known wishes. The insurance policy provided peace of mind and financial protection, preventing costly legal battles and preserving the estate’s value.

The Misplaced Will of Mrs. Roberts

Mrs. Roberts, a retired schoolteacher, had a meticulously crafted will that outlined her wishes for the distribution of her modest estate. Unfortunately, after her passing, her family could not locate the original document. The solicitor who had drafted the will had retired, and his records were incomplete.

Faced with the prospect of intestacy and potential disputes, Mrs Roberts’ family decided to secure missing-will insurance. They gathered supporting documentation, including a copy of the will and correspondence with the solicitor, to demonstrate her testamentary intentions.

The missing will insurance policy provided coverage against claims from unknown heirs and ensured that the estate could be distributed according to Mrs. Roberts’ wishes. The process highlighted the importance of securely storing estate planning documents and maintaining clear records.


Missing will insurance is a crucial tool for managing the uncertainties and risks associated with losing or destroying an original will. Providing financial protection against potential claims and legal disputes ensures that the estate can be distributed according to the presumed wishes of the deceased, preserving its value and providing peace of mind for executors, administrators, and beneficiaries.

Understanding the need for missing will insurance, its benefits, legal considerations, and practical applications is essential for those involved in estate planning and administration. Solicitors play a pivotal role in guiding clients through the complexities of securing this insurance, ensuring that the necessary steps are taken to protect the estate and facilitate a smooth probate process.

Ultimately, the issue of a missing will underscores the importance of robust estate planning practices, including secure storage of wills, clear communication with trusted individuals, and regular reviews of estate planning documents. By taking these steps, individuals can help prevent the challenges associated with missing wills and ensure their final wishes are honoured.

Missing Will Insurance FAQ'S

Missing Will Insurance is a type of insurance policy that provides protection when the original will of a deceased person cannot be found. It covers potential claims from individuals who may come forward with the original will after the estate has been distributed.

This insurance is needed when an original will cannot be located despite thorough searches. It protects executors and beneficiaries from future claims that might arise if the original will is found and it changes the distribution of the estate.

Executors, administrators, beneficiaries, or solicitors handling the estate can purchase Missing Will Insurance to protect against the risk of a previously unknown will surfacing after the estate has been distributed.

The insurance typically covers legal costs and financial losses incurred if the original will is found and its terms differ from the distribution already made. This includes costs of defending claims and any necessary redistribution of the estate.

To prove that a will is missing, a thorough search must be conducted. This includes checking with family members, solicitors, banks, and any place the will might have been stored. Evidence of these searches is usually required when applying for Missing Will Insurance.

Insurers typically require details about the deceased, the efforts made to locate the will, the proposed distribution of the estate under intestacy rules or a previous will, and any potential claimants who may come forward.

The coverage period can vary but typically lasts for several years, often up to seven years. This period allows time for any claims to be made if the original will is discovered after the estate has been distributed.

The cost of Missing Will Insurance depends on the value of the estate, the number of beneficiaries, and the perceived risk. Premiums are usually a small percentage of the estate’s value.

If the original will is found after the insurance has been taken out and the estate has been distributed, the insurance policy will cover the costs associated with re-evaluating and potentially redistributing the estate according to the newly discovered will.

No, Missing Will Insurance should be obtained before the estate is distributed to provide protection against future claims. Once the estate is distributed without insurance, there is no protection against the discovery of a missing will.


This site contains general legal information but does not constitute professional legal advice for your particular situation. Persuing this glossary does not create an attorney-client or legal adviser relationship. If you have specific questions, please consult a qualified attorney licensed in your jurisdiction.

This glossary post was last updated: 11th July 2024.

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Our team of professionals are based in Alderley Edge, Cheshire. We offer clear, specialist legal advice in all matters relating to Family Law, Wills, Trusts, Probate, Lasting Power of Attorney and Court of Protection.

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