We are looking to travel to Kotor from Dubrovnik on 27th September (a Sunday). We won't be in Dubrovnik until noon, so we will miss the regular bus to Kotor (the last one seems to be at 11am on that day). When we looked to hire a car, we noticed you have to pay a border crossing fee and, more importantly, the car is not insured while in Montenegro, which is worrying.
Can anyone recommend car rental companies in Dubrovnik that include insurance, or any alternative methods to get to Kotor (e.g., is there a boat)?