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@Airhead
The licensing on carrying a pillion still doesn't cover them for insurance. When I started insuring bikes it wasn't an issue and the cover was automatic but if you have an accident where your pillion gets injured it could cost your insurance company a lot of money.
I've had one accident that wasn't my fault while carrying a pillion, it's sickening and even if the pillion accepts 100% that there is nothing you could have done you won't forget the feeling.
If your pillion is seriously injured or worse it would be very hard to live with, worth considering when you're just getting into motorbikes. At the very least make sure your pillions wear gloves and try to get the girls to wear boots not heels or sandals/flipflops.