Having used Holiday Autos countless times over 20 years or so, it disappoints me greatly to write a negative review and to henceforth take my business elsewhere. This is due to a small clause in HA T&C’s which states that, in order to decline the 'fully insured' package at the rental desk, a credit card in the renters name must be presented. But wait … This, I hear you say, is all fair and square. Of course a credit card in the renters name is required, it always has been and I have used the same card (or iterations thereof) without issue all over the world. The difference here is that HA have sneakily included the requirement for the credit card to contain the FIRST and SECOND names of the renter. No longer will a card with just your initials and surname be accepted for the purposes of paying a security deposit in lieu of buying the rental companies costly and ‘optional’ insurance. This renders the option of declining their insurance impossible. The very same credit card (yes, the one without the full name) would happily have been accepted to buy the costly and ‘optional’ insurance, which suggests that this has been done in the knowledge that most people's cards by default have only initials and therefore they will be left with no option than to stump up for extra insurance, regardless of whether it is required, wanted or not. In this situation I was refused the car, leaving myself, my disabled 85 y.o. father, disabled son, wife and luggage stranded several miles from the airport. It should be noted that other car rental providers DO NOT have this requirement, so I was able to re-rent with another company (where, as it happens, the exact same rental was also available to book via HA but with this nonsensical clause). HA have stuck firm with the T&C's mantra and have declined a refund for the rental. The net effect being that I thank you Holiday Autos for 20 years and thousands of pounds of rentals... But now it's time for me and anyone I can encourage to move on elsewhere … and all for the sake of a paltry £37. And yes, I withheld from writing this review until Holiday Autos had been given the full opportunity to review the case.