A recent survey conducted on the eve of Valentine’s Day reveals surprising interest in insurance products designed to offset losses linked to relationship troubles among Russians. The study shows a large share of respondents view such coverage as potentially valuable, with a portion believing the outcomes of relationships may be unavoidable, while a smaller segment expresses no interest in pursuing a relationship at all.
The results indicate that 47% of participants would consider purchasing insurance covering infidelity or the fallout from a breakup. Respondents also proposed an average compensation level around 1 million rubles for damages arising from relationship discord. Among married respondents, the suggested payouts extend to supporting psychological services, child-related expenses, legal costs, and other obligations to the harmed party. This reflects a broader appetite for risk transfer in the context of interpersonal ties and the associated costs.
Additionally, 24% said they would buy insurance for loss of household goods within a relationship, while 13% expressed interest in coverage for the loss of shared interests. Another 12% cited concerns about partner greed and the absence of sentimental gestures in the partnership as reasons to insure against such risks.
When considering a hypothetical insurance product for a non-existent relationship, participants described compensation expectations as modest, up to 500 thousand rubles. Yet they pegged the risk of losing interest in a relationship at about 2 million rubles, indicating a high valuation of emotional stability within a partnership.
Protection against jealousy also surfaces as a concern. About 18% of respondents would include all jealousy-related risks in their policy, while 11% would seek warranties against bothersome third parties, such as intrusive family members who offer unsolicited advice. This highlights a demand for coverage that extends beyond partners to the broader social circle surrounding a relationship.
Some participants even proposed insuring property against damage in the event of a split. Men were more likely to support this idea, with around 16% of male respondents endorsing 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 damages to flats, vehicles, clothing, devices, and other valuables that could be affected by a separation.
Overall, respondents believe relationships can proceed with mutual respect, yet many are prepared to purchase a policy against a broken heart. The proposed coverage for heartache would come at a cost, with common estimates around fifty thousand rubles for such protection.
Historically, there has been a noted interest among Russian consumers in expressing affection through gestures like giving flowers on February 14, underscoring the cultural context in which these insurance ideas emerge.