Hi there, a car is included in the price but insurance is not. You need to budget £400-£500 for this for the two weeks. You MUST buy insurance or you will be liable for any costs in an accident and it is not worth the risk.
Take a look at www.mousesavers.com for deals on rental cars. The package company is not saving you any money at all with their 'free' car.
In my opinion two weeks is not enough let alone one!
Just googling them - Hampton Lakes is too far, Tuscan Ridge too far they are in Davenport (just google the resorts). Davenport is too far for the parks unless you like to sit in traffic. Town center is a better area as it is on the 192.
The resorts you should be looking at are
Windsor Hills - www.windsorhillsrent.com
Windsor Palms - www.windsor-palms-florida.net
Emerald Isle
These 3 are resorts so you get a communal pool, games room, fitness room etc and these homes tend to cost more.
Developments in a great position but are just houses on their own with no communal facilities include
Rolling Hills
Formosa Gardens
Indian Ridge
Please check the address carefully before booking - unfortunately they ALL claim to be 10 minutes from Disney (yes at 3am on a Sunday morning they might be!).
Another place to look for villas is www.vrbo.com you can search by resort so they are easy to sift through.
Hope I haven't confused you too much. I am going to Florida tomorrow so won't be on Mumsnet but I will be back in a while so Bump this thread around 22nd - 23rd April if you would like more tips.