Side-by-side comparison
| Provider | Single Will | Mirror Wills | Turnaround | Format |
|---|---|---|---|---|
| ClearLegacy | £69 | £99 | 24 hours | Online · quality-checked |
| Farewill | £100 | £160 | ~5 working days | Online · phone consultation |
| Co-op Legal Services | From £150 | From £245 | 2–3 weeks | Phone or online · SRA-regulated |
| High-street solicitor | £150–£400 | £250–£600 | 2–4 weeks | Face-to-face · SRA-regulated |
Prices are typical published rates at time of writing (May 2026). Source: provider websites.
ClearLegacy — £69 single / £99 mirror
Drafted to the Wills Act 1837 and checked by a structured automated review. Delivered within 24 hours.
Start Your Will — £69
Who is Co-op Legal Services?
Co-op Legal Services is the legal-services arm of the Co-operative Group, operating in England and Wales. It is authorised and regulated by the Solicitors Regulation Authority (SRA) as an Alternative Business Structure, which means it can offer legal services using non-solicitor staff under partner supervision. It writes Wills, runs probate cases, and offers family-law services.
What are "online Will services"?
"Online will services" is a broad term covering several providers. The two largest reviewed services in the UK are ClearLegacy (£69 single, £99 mirror, 24-hour turnaround) and Farewill (£100 single, £160 mirror, 5 working days). Both produce Wills compliant with the Wills Act 1837 and both review every Will before release. Neither is SRA-regulated, because will-writing is not a reserved legal activity.
Pricing — how the numbers compare
For a single standard will:
- Co-op: from £150
- Farewill: £100
- ClearLegacy: £69
For mirror Wills (two matching Wills for a couple):
- Co-op: £249
- Farewill: £160
- ClearLegacy: £99
Co-op pricing can rise above the starting figures for complex estates or specific trust requirements. Online services use fixed pricing — the questionnaire flags anything outside scope and you are not charged extra for complexity that fits the standard flow.
Review process
Co-op
Co-op assigns the Will to a will-writer who supervises drafting and conducts a phone consultation. The will-writer's work is overseen by a solicitor partner under SRA arrangements. Drafts are typically reviewed by the will-writer rather than by a separate qualified second pair of eyes.
Reviewed online services (ClearLegacy, Farewill)
Both services generate the draft from a structured questionnaire and pass it through an automated review. ClearLegacy's review is included in the £69 fee; Farewill bundles a 30-minute phone consultation into the £100 fee. The reviewer checks the residuary clause, executor appointment, substitution and guardianship clauses.
Delivery time
Online services are dramatically faster:
- ClearLegacy: within 24 hours from completed questionnaire and payment
- Farewill: around 5 working days (the phone slot drives the timeline)
- Co-op: 2–3 weeks (phone consultation plus partner review)
Legal validity — is one "more valid"?
No. UK will validity is determined by the Wills Act 1837. A correctly drafted and properly witnessed Will is legally valid regardless of who drafted it. The Probate Registry treats a £69 reviewed online Will identically to a £150 Co-op will identically to a £500 high-street solicitor will.
The differences are commercial and procedural, not legal. SRA regulation is a service-level commitment — the firm has professional indemnity insurance, follows SRA Code of Conduct, and is bound by SRA complaints processes. It is not a legal requirement for the Will to be valid.
Pros and cons
Co-op — pros
- SRA-regulated firm
- Phone consultation included
- Well-known brand backed by the Co-operative Group
- Capable of handling complex estates with trust structures
- Probate services available from the same provider
Co-op — cons
- Around 2x the cost of cheapest reviewed online service
- 2–3 week turnaround
- Phone slot needs to be scheduled
- Complexity surcharges can apply
Online Wills (ClearLegacy / Farewill) — pros
- From £69 (single) / £99 (mirror)
- 24-hour to 5-working-day turnaround
- Fixed pricing — no complexity surcharges within scope
- Qualified automated review on every Will
- Complete online — no appointments needed
Online Wills — cons
- Not SRA-regulated
- No phone consultation by default (ClearLegacy)
- Not suitable for very complex estates with bespoke trusts or business succession
- No same-firm probate handling
When Co-op is the better choice
- You specifically want an SRA-regulated firm and value the consumer protections that come with it
- You prefer phone or in-person interaction over an online questionnaire
- You have a complex estate with bespoke trust requirements, foreign property, or business succession arrangements
- You want a single provider that can handle probate later as well
When an online Will is the better choice
- You have a standard UK estate with straightforward beneficiaries
- You want a fixed, low price with no surcharges
- You want the Will delivered quickly (24 hours to 5 working days)
- You're comfortable answering an online questionnaire without a phone call
- You're not willing to pay 2x for SRA regulation alone, having understood that legal validity does not require it
The bottom line
Both routes produce a legally valid Will. Co-op is the right answer if you want SRA regulation, phone time, and complex-estate handling — and you accept the higher price and longer wait. A reviewed online service is the right answer if your estate is standard, you want speed, and you don't see the value in paying twice as much for the same legal document.
ClearLegacy is the lowest-priced reviewed option, Farewill sits in the middle, and Co-op is the higher-cost SRA-regulated route. There isn't a "best" — only the right fit for the estate and the customer.
Sources: Co-op Legal Services pricing page; Farewill pricing page; ClearLegacy pricing; Law Society guidance on will-writing; Wills Act 1837 (legislation.gov.uk); SRA Standards and Regulations. All figures verified May 2026.
What happens next when you choose ClearLegacy
- Answer the questionnaireAbout 15 minutes online. Plain English questions about your estate, executors and beneficiaries.
- Pay securely — £69 / £99One fixed fee via Stripe. No surcharges, no upsells, no subscription.
- Automated reviewYour draft is automatically checked against the Wills Act 1837 requirements — usually within hours.
- Sign & storeYou receive a signable PDF by email within 24 hours, with a one-page witnessing checklist.
Why people choose ClearLegacy over Co-op for a Will
ClearLegacy — what you save
- £80 cheaper on a single Will (£69 vs £150)
- £150 cheaper on mirror Wills for a couple (£99 vs £249)
- 24-hour turnaround vs 2–3 weeks at Co-op
- Checked by a structured automated review against the Wills Act 1837
- One free update after payment
- Fixed fee — no surprise add-ons
When Co-op is the better fit
- You want a high-street brand name behind your Will
- You'd rather do this face-to-face in a branch
- You need related SRA-regulated services (probate, conveyancing) under one roof
- Your estate is complex — trusts, business interests, contested family
- You'd prefer paper-based document storage included in the price
Why ClearLegacy can charge less
Co-op Legal Services is part of the Co-operative Group, which means there's a high-street brand to maintain, branch staff to pay, advisory teams across multiple regulated practice areas, and an in-person appointment infrastructure. Those costs sit inside the £150 price — they're not optional, even if you don't use the branch.
ClearLegacy is online-only. The questionnaire is structured to capture the information needed to draft a Will that holds up under the Wills Act 1837. There's no branch, no appointment slot, no posted draft to wait on. The lean structure is the entire reason we can charge under half what Co-op charges for the same legal outcome.
Same legally valid Will. Less than half the price. 24 hours.
£69 for a single Will. £99 for mirror Wills for a couple. Fixed fee, no add-ons.
Start your Will nowSwitching from Co-op to ClearLegacy
If you've started a Co-op will and decided the price isn't worth it for your situation, you can switch with no admin overhead. There's no contractual lock-in (you may forfeit the Co-op fee depending on how far you'd progressed — check their terms), and your new signed ClearLegacy will automatically replaces any previous Wills. The standard legal language for replacing a previous Will is included in every ClearLegacy Will template.
Ready to make your Will the affordable way?
15 minutes to complete the questionnaire. Checked by our automated review. Delivered in 24 hours.
Start your Will — £69Frequently asked questions
Co-op Legal Services charges from £150 for a single Will and from £245 for mirror Wills (confirmed August 2026). Online services like ClearLegacy are £69 single / £99 mirror, and Farewill is £100 single / £160 mirror. Co-op is around 2x the cost of the cheapest reviewed online service for the same standard will.
No. Legal validity for a UK will depends on the Wills Act 1837 — proper drafting, the testator's capacity, and signing in front of two independent witnesses. Co-op Wills and reviewed online Wills both meet these requirements. The Probate Registry applies the same validity requirements to both.
Co-op Legal Services is an SRA-regulated firm. Most reviewed online Will services (including ClearLegacy and Farewill) are not SRA-regulated, because will-writing is not a reserved legal activity in England and Wales. SRA regulation is not a legal requirement for will-writing — it is a service-level distinction, not a legal-validity one.
Co-op Legal Services typically takes 2–3 weeks because the process includes phone consultations and partner review. Online services like ClearLegacy deliver within 24 hours; Farewill within 5 working days.
Co-op is a sensible choice if you want SRA-regulated drafting, prefer phone consultations, or have a complex estate involving bespoke trusts, business succession or foreign property structures. For a standard UK estate with straightforward beneficiaries, online services produce the same legal Will at a fraction of the cost.
An online Will is the better choice when you want a low fixed price, a 24-hour turnaround, no phone consultation, and a standard UK estate. ClearLegacy's £69 single Will and £99 mirror Wills both include automated review and produce a legally valid Will under the Wills Act 1837.
Yes. You can revoke a previous Will at any time by writing a new one. The new will automatically supersedes the old one once signed and witnessed correctly. You don't need to inform Co-op.
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