A recent survey conducted ahead of Valentine’s Day reveals an intriguing trend among Russians: growing interest in insurance products designed to offset losses tied to relationship upheavals. The study shows many people see value in coverage that could cushion the financial impact of romance going off track, while a notable portion views entering or maintaining a relationship as a risk worth transferring. A smaller group expresses a preference to remain single, indicating varied approaches to love and protection in today’s climate.
According to the results, 47% of participants would consider insurance that covers infidelity, heartbreak, or the outcomes of a breakup. Respondents suggested an average compensation level near 1 million rubles for damages arising from relationship discord. Among those who are married, proposed payouts extend to supporting mental health services, child-related costs, legal fees, and other obligations to the harmed party. This points to a broader appetite for risk transfer when it comes to the emotional and practical costs that follow interpersonal strife.
Additionally, about a quarter of respondents, 24%, indicated they would purchase coverage for the loss of household goods within a relationship, while 13% showed interest in protection against the loss of shared interests. A further 12% cited concerns about partner greed and the absence of sentimental gestures as reasons to insure against these risks. The appetite for insuring everyday tangible assets alongside emotional stability shows a nuanced view of how couples manage uncertainty in a partnership.
When considering a hypothetical policy for a non-existent relationship, participants described modest compensation expectations around 500 thousand rubles. Yet they valued the risk of losing interest in a relationship at roughly 2 million rubles, underscoring a strong emphasis on emotional continuity and personal security within a bond. The responses illustrate how people weigh both the soft aspects of companionship and the concrete costs that can accompany the end of a relationship.
Protection against jealousy also emerges as a concern. About 18% of respondents would include jealousy related risks in their policy, while 11% would seek assurances against bothersome third parties, such as intrusive family members offering unsolicited advice. This reveals a demand for coverage that reaches beyond the two partners to the wider social circle surrounding a relationship, reflecting the realities of modern social dynamics in intimate life.
Some participants even floated insuring property against damage in the event of a split. Men showed greater openness to this idea, with around 16% of male respondents supporting property-related coverage. In total, roughly 36% of those surveyed would consider insuring property against risks like arson, vandalism, water damage, theft, or sale. The scope includes homes, vehicles, clothing, electronics, and other valuables that could be affected by a separation, highlighting a practical dimension to relationship risk management.
Overall, the survey suggests that while relationships can progress with mutual respect, many are prepared to purchase a policy against a broken heart. The proposed coverage for heartache would come at a price, with common estimates around fifty thousand rubles for such protection. The results capture a moment when financial products intersect with personal life events, offering a sense of peace of mind in a landscape where love and money often tangle together.
Historically, there has been broad interest among Russian consumers in expressing affection through gestures like flowers on February 14, which adds a cultural layer to these insurance ideas. The evolving social context helps explain why people consider financial safeguards as part of intimate relationships, reflecting wider shifts in how risk is perceived and managed in everyday life.