But the first US-style divorce policies are now available in the Britain.
Divorce Cover is a US firm that has offered get-out-of-marriage-quick insurance in the States for five years.
The policies are designed to cover the costs of breaking up that can cripple partners who decide to split and seek new lives for themselves.
At £10 for £780 of cover, the policy is only worthwhile for couples who will not qualify for legal aid – which cuts in if they have funds of less than £8,000.
Divorce insurance has a bedding-in period that bars claims for four years – the idea is couples can’t marry and split just for the money paid out by the policy.
They do get a full refund of any premiums paid if they do divorce in the first four years of the policy.
To help couples decide whether to buy, the web has neat divorce probability calculators that work out the chances of the relationship ending by asking questions about family background, race, religion and children.
Now may not be the best time to launch divorce insurance.
Statistics show the divorce rate has slumped to 1974 levels and accountants Grant Thornton reckon couples are stating together because they just cannot afford to break-up due to the country’s economic woes.
Couples with pre-nup agreements can also consider taking out specialist insurance that pays for any legal costs associated with divorce.
Since a landmark court case last year backing pre-nups in English law for the first time, Grant Thornton reports 58% of lawyers have seen an increase in pre-nuptial work as happy but distrusting couples cover their backs and their fortunes.