Dipesh Radia, Chief Commercial Officer at Momentum Insure

Valentine’s Day in South Africa is traditionally a whirlwind of red roses, chocolate boxes, and grand romantic gestures, but as the world becomes more complex and our daily lives more unpredictable, the way we express our love and affection is undergoing a quiet shift. This year, the most meaningful "I love you" falls in the proactive choices we make to ensure our partners and families get home safely.

“The definition of romance is maturing to include a deeper sense of responsibility,” says Dipesh Radia, Chief Commercial Officer at Momentum Insure. "We’re seeing a shift where love is increasingly expressed through everyday acts of protection. In our current context, caring for someone means more than just a grand gesture once a year but the peace of mind that comes from knowing your loved ones are secure, whether they are on their daily commute or enjoying a weekend away."

Protecting the journey

For many South Africans, the most significant risks don't happen in a vacuum but during routine moments: the late-night drive back from a dinner date, the early morning school run, or the long-distance trip to visit extended family.

"The reality is that our roads and daily environments present constant challenges," Radia explains. "When you check your partner’s tyres before a trip, or ensure they have access to emergency assistance on their phone, you are communicating a level of care that goes beyond words. You are saying, 'Your safety is my priority.'"

This practical expression of love helps reduce the background noise of stress and uncertainty that many households carry. By making smart, proactive safety choices, couples can transform potentially anxious situations into moments of shared confidence.

The emotional value of reassurance

Safety isn't just about avoiding a negative outcome; it’s about the emotional freedom that security provides. When we feel protected, we are more present. We can enjoy the dinner, the getaway, or the family walk because we aren't preoccupied with "what if."

Radia reveals that insurance is evolving to meet this need for emotional reassurance. "At Momentum Insure, we’ve leaned into the idea that insurance should support more confident living. It’s not just about a payout after an incident; it’s about the journey toward a safer lifestyle."

Initiatives like Safe Dayz that encourage and reward clients for being safe on the road, are becoming increasingly more prevalent. "These kinds of initiatives turn safety into a daily habit,” says Radia. “When you are rewarded for being a safe driver, you’re essentially being incentivised to love yourself and your family better. It’s about being rewarded for the very things that keep your world intact."

Small choices, big impact

Choosing safety doesn't always require a lifestyle overhaul. Often, it’s the small, consistent habits that yield the most significant protection:

• Awareness: Staying informed about weather alerts or traffic disruptions before you or your partner head out.
• Preparation: Ensuring emergency contacts and roadside assistance details are easily accessible for everyone in the family.
• Responsibility: Opting for a shuttle service or a designated driver after a Valentine’s celebration.

"Modern love is about being a proactive partner," says Radia. "It’s about turning the tensions of our risk landscape into an opportunity for collaboration. By prioritising everyday wellbeing, we create an environment where love can actually thrive, free from the unnecessary strain of avoidable crises."

The ultimate gift

This Valentine’s Day, as we reach for the roses, we might also consider the gift of a "Safe Day." Whether it’s updating a household security feature, reviewing insurance cover to close a protection gap, or simply committing to more mindful driving, these choices resonate long after the flowers have wilted.

"Ultimately, choosing safety is choosing love," Radia concludes. "It’s a testament to the value you place on your partner’s life and your future together. There is no greater romance than the promise of many more years of safety, together."