DIY Wills vs Professional Will Writing: What’s the Real Risk?

In an age where you can do almost anything online, many people consider writing their own Will using DIY templates or cheap online services. At first glance, this might seem like an easy and cost-effective solution, but the reality is very different. A poorly drafted Will can lead to legal disputes, invalid documents, and financial loss for your loved ones.

The Society of Will Writers (SWW) has highlighted these risks in their article, The Dangers of a DIY Will, which warns that “even a small mistake in wording or witnessing can render a Will invalid.” This can result in unintended consequences, increased legal costs, and significant distress for families.

So, what are the real risks of DIY Wills, and why should you consider professional Will writing instead?

The Common Risks of DIY Wills

1. The Risk of an Invalid Will

For a Will to be legally valid in England & Wales, it must meet strict legal requirements, including:
✅ Being in writing and signed by the testator (the person making the Will).
✅ Being signed in the presence of two independent witnesses who also sign the Will.
✅ The testator having the mental capacity to make a Will and understanding its consequences.

A simple mistake, such as improper witnessing, could render your Will invalid, meaning your estate will be distributed under intestacy laws, as if you had never written a Will at all.

Real-World Example: A case in 2022 saw a family lose out on inheritance because a DIY Will was signed but not properly witnessed. The court ruled it invalid, meaning the deceased’s estate was divided under intestacy laws, leaving some intended beneficiaries with nothing.

2. Unclear or Poorly Worded Instructions

Legal language matters in a Will. A vague or poorly written DIY Will can cause confusion and disputes. For example:
❌ Saying “I leave my house to my children” without specifying which children (if there are stepchildren, adopted children, or estranged family members).
❌ Failing to outline what happens if a beneficiary dies before you.
❌ Not specifying percentages for asset distribution, leading to conflicts over shares.

Professionally drafted Wills remove ambiguity and ensure your wishes are clear and legally enforceable.

3. No Protection Against Future Legal Challenges

DIY Wills are often easier to contest, leading to costly legal disputes. If a relative challenges the Will due to lack of clarity, improper execution, or undue influence, the court may decide to disregard it entirely.

A professional Will writer ensures your Will is properly structured and legally sound, reducing the risk of challenges.

4. No Inheritance Tax or Estate Planning Advice

A DIY Will doesn’t account for Inheritance Tax (IHT) planning, trusts, or asset protection strategies. Poor planning could mean:
Your beneficiaries pay more tax than necessary.
Your assets aren’t protected for future generations.
Your estate faces probate complications.

A professional estate planner can structure your Will to minimise tax liabilities and protect your wealth.

5. No Guidance for Complex Situations

A DIY Will might seem fine if you have a simple estate, but for more complex circumstances, professional advice is essential. You should avoid a DIY Will if you:
❌ Own a business or foreign property.
❌ Have children from multiple relationships.
❌ Want to protect assets from care home fees.
❌ Wish to exclude someone from your Will.
❌ Want to leave money in trust.

A professional ensures your Will is legally watertight and tailored to your needs.

Why Professional Will Writing Is Worth It

At Just Wills and Legal Services (JWALS), we provide expert, legally sound Will writing services. Here’s why choosing a professional makes all the difference:

✅ Legal Compliance – We ensure your Will is drafted and executed correctly.
✅ Bespoke Advice – We tailor your Will to suit your family and financial situation.
✅ Tax Efficiency – We help you reduce Inheritance Tax where possible.
✅ Trusts & Asset Protection – We provide strategies to safeguard wealth for future generations.
✅ Reduced Risk of Disputes – A professionally written Will is less likely to be challenged in court.

A Will is one of the most important legal documents you will ever make. Cutting corners with a DIY version can lead to serious problems for your loved ones.

The Cost of a DIY Will vs The Cost of Getting It Wrong

A DIY Will might cost £20-£50. However, the legal fees to fix a poorly written or invalid Will can be thousands of pounds. Worse, your family could lose out on their inheritance entirely if your Will is disregarded.

Investing in professional Will writing is not just about getting a document, it’s about ensuring your wishes are respected, your assets are protected, and your family is cared for.

Secure Your Legacy with Just Wills and Legal Services

At JWALS, we make the process simple, affordable, and legally secure. Don’t take unnecessary risks with a DIY Will, get expert guidance and peace of mind today.

Call us on 01342 477102
Email us at [email protected]
Visit our website: www.justwillsandlegalservices.co.uk

Your Will is too important to leave to chance, let us help you get it right.