Hi Janetravel,
No problem, I am glad I could help. I found that webjet & Harvey World Travel (HWT) had the same base rate for the airfares, but it was once you click on "continue" that you find the taxes and fees vary and the end price differs.
After christmas the prices on the net should be out for Oct 07, I am not sure that the agents will have those costing though.
I did a costing on my spreadsheet based on advertised rates that the hotel had, then I e-mailed them and asked if they had a special rates, which I did.
There is nothing to lose by asking

Also print all e-mails and take t hem with you, if you do it this way as proof of the price offered.
As for the travel insurance, like I said above, I have used Cover more from the flight centre for years, & I know what they have to offer, plus I had the gift voucher. I am sure that the other insurance agencies on line are quite reputable also. Again that is something that you should compare, along the lines of what they cover, limits & price. Sometimes, the cheaper ones don't pay out as much if the need arises, or might be difficult to deal with when it comes down to the crunch.
I have young children, so I am not prepared to take the risk with them.

Best of luck & I hope you find a fantastic deal.
Cheers
Nati