Thanks a million guys for your replies ..I will be taking your advice and contacting my solicitor in the morning .There are another couple of things like a Unit linked Personal retirement bond with Irish life that's solely in her name from a job she was in for 10 yrs of so ..totally confused on that one :-( I think as in most households there is one person that looks after this stuff and we have lost that personHopefully with your guys great advice and my long term solicitors help (haven't needed him in 20 years ) we can at least cover myself and the kids as I'm pretty sure it can be a minefield .I've already got one of those "representative of the deceased" letters from her car insurance and your are correct ..it's a bit of a jar the first time it arrives .
Anyway I'm rambling now but again thanks you once again for your very helpful advice and knowledge.
Brendan
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