me again.. Looks like the GF is on to a loser!!! Found this too! www.lawontheweb.co.uk
Unmarried Couples and Death
The other essential matter for unmarried couples to consider is that, as they are not related, unless they make a Will in favour of their other half, then, should they die, their estate will pass to their immediate family under the intestacy rules, rather than to their partner (except their share in the home if they are joint owners and hold as beneficial joint tenants - see above).
An unmarried partner will not even be entitled to take out a grant of letters of administration and administer their partner's estate, as they are not a relative of the deceased.
If the relationship is a serious one, then one of the first things they should do is to each make a Will. A Will can always been amended, changed or added to, but if there is no document at all, then the deceased's estate will simply pass to the appropriate family members or even the Government, rather than to the person's partner.