We purchased the captain's plan at WL in March. It worked well for us b/c we used the racers and the pontoon boats. If you take them out for 1/2 hour at a time instead of an hour it is better financially (1/2 hour rental is more than 1/2 of hourly rental). If you plan to use this for biking I would say that it is not worth it b/c bike rentals cost $8 an hour. I am pretty sure that it only counts for 1 bike and not the number in your party. Also, the surrey bikes were not included on the plan.