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Flying takes 4 or 5 hours out of your sightseeing day in getting to a remote airport, checking in, taking the flight itself, collecting your bags and getting back into the city centre. Hoi An has no station, but it's just 30km by bus or taxi from Danang.
There are also trains from Hanoi to Haiphong (for Halong Bay) and Hanoi to Lao Cai (for Sapa). The most magical part of the Hanoi to Saigon train journey is the world-class scenic section between Hu and Danang.
In the UK, try Columbus Direct or use to compare prices & policies from many different insurers. If you keep it in a different part of your luggage so you're not left stranded if your wallet gets stolen, this is a form of extra travel insurance in itself.
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It also means you can hold accommodation while you finalise your itinerary, and alter your plans as they evolve - a great feature I use all the time when putting a trip together.
The Lily & Bloom Hotel occupies a 1930s Bauhaus-style building which was originally a bank.
The rooms at the rear of the hotel have views over the city wall.