Hi Tinker,
most likely things have changed in the UK since I emigrated in 1969 but back then a motorcycle's insurance cost would be cut in half if you added a sidecar.
Once you learn how to operate a sidecar rig it's far safer to ride than a solo bike.
Admittedly there's no crumple zones & such to protect you and no way a rig will split traffic but OTOH a rig can't fall over,
you can see all round and nobody can distract you by yelling in your ear about trivia.
I have proved that underlined bit is not always true on a couple occasions! Both times were when I was doing stupid things like doughnuts to the right in the snow and then cut throttle. Amazing how good traction the knobbies can have at times like that!