"Before I met you, I was a civilised woman." This could be the catchphrase for every married woman who is having an affair. It's a snatch of dialogue, uttered by actress Emily Watson, who plays wife and mother Yvonne Carmichael in new BBC One drama Apple Tree Yard.

An adaptation of Louise Doughty's bestselling 2013 novel, written for TV by BAFTA-winner Amanda Coe, Apple Tree Yard tells the story of geneticist Dr Carmichael, who embarks on a passionate extramarital affair with a mysterious stranger she meets at the Houses of Parliament.

The four-part series is fast becoming a talking point in the UK. Not only has it the temerity to feature a woman having sex outside her marriage - but also to make that woman older. Coe, herself in her 50s, explains, "Apple Tree Yard is that rare thing, a perfectly executed page- turner that's also a gripping exploration of the difficult moral choices we face in adult relationships."

Now, these changing attitudes are being scrutinised on our screens, with shows like Apple Tree Yard and American drama The Affair, starring English actress Ruth Wilson, reflecting a reality that doesn't always end as badly as it once did in fiction.

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As women increasingly find financial independence and confidence, they are realising, usually in their 40s, that what's missing from their lives is passion. With the children grown-up and their partner's testosterone levels dropping, many discover their libido has reawoken - even if they don't feel as good naked as they did two decades earlier.

Watson agrees. "This idea that female sexuality is the preserve of 22-year-olds is just absurd. If anything, your sexuality blossoms during your late 40s and 50s. You know what you want. You've done marriage and children, you're settled, you've got the menopause coming up and I honestly think there's this moment where a woman thinks to herself, 'it's my life now - and it's far from over'."

A scene from the television series, Apple Tree Yard. Photo / BBC
A scene from the television series, Apple Tree Yard. Photo / BBC

Far from being physically unpalatable, Apple Tree Yard actors Emily Watson and Ben Chaplin, who plays her paramour, Mark, show mature infidelity as hot and electric as it is in real life. "Ben and I decided that we were absolutely going make those sex scenes look believable ... instead of just fumbling about the way you do when you're younger. Sexuality in older women is a very powerful thing," says Watson.

Whether you're embarking on a full-blown affair, or simply imagining what it might be like to kiss the handsome man who works in the local wine shop, the fact remains: extramarital sex, even in contemplation, is very much part of a married woman's menu.

Growing up in the 1970s and having had my own marriage ended by infidelity on both sides, I understand the initial excitement it brings but also, for me, the heartbreak, tears and turmoil the resulted in lawyers' letters and forced sale of the familial home. Now single, I still don't see infidelity - my own or that of my friends - as cautionary. There are always mitigating circumstances of which we may never be aware.

Within my group of friends, who range from 30 to 60, it's not a surprise to find a sea of unfaithfulness. It's something revealed to no-one but our closest, most loyal pals. Sharing these details is a vital part of modern female friendship - and if anyone were to snitch, that confidence would be terminated without question.

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20 Jan, 2017 1:00pm
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A scene from the television series, Apple Tree Yard. Photo / BBC
A scene from the television series, Apple Tree Yard. Photo / BBC

In my circle, we don't discuss infidelity as right or wrong. We listen to our friends' stories and accept that any liaison will more than likely peter out in time. Even if it leads to a divorce, or, sometimes, a double life, we support them, right or wrong.

So why do my married female friends cheat? Do they succumb when passion and desire surpass domesticity? If lure of new sex is greater than the boringly familiar? Research suggests that women look elsewhere marriages because the quality of their marriage is corroding. One 2014 American study found that a lack of "quality time", unresolved conflicts and inattention were reasons women allowed their eyes to wander (and sometimes their bodies to follow).

Opportunity is also greater than in previous generations. The internet makes it easier to find other interested parties. The immediacy and impersonal nature of the web turns infidelity into a kind of marital incision: if you want to cheat on your husband, you can do it quickly and tidily. It needn't leave a scar.

Cheating is also free. Well, almost. For some women there is guilt. As one friend put it, "The burden of cheating on my husband is mine to bear. That's what I get for doing it: I am guilty for the rest of my life."

But she will never tell him. Nor will I. She and I made a vow to each other that we would, both of us, carry this fact in silence with us to the grave. She didn't cheat to hurt him. She cheated because she wanted to feel alive again.

According to David Frederick, a professor of health psychology at Chapman University in California and lead researcher on a 2007 infidelity study, while unfaithful men "were looking for sexual variety and excitement," women were more likely to cheat out of emotional frustration and "fall in love with someone else or to look for reassurance that they were still desirable," explains Frederick.

This is the thread running through the new breed of infidelity TV dramas and it rings brutally true. Apple Tree Yard is a shocking thriller for many reasons but it may be more alarming to those who thought that married men were the brains and loins behind extramarital affairs. Infidelity was never their domain alone, of course.

But, finally, fiction is catching up with fact: women can and do cheat - and return to their marriage without paying a moral cost.

This article was originally published by The Telegraph.