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when insurers say windscreen cover is included, is that subject to the 500 excess generally or is that a separate thing
Read the small print, sometimes there's zero excess on screen replacement/repair, sometimes it's reduced excess compared with the main cover. Also bear in mind that if you do claim for a screen, in most cases it's still a claim and your NCB gets knocked back, but again sometimes it isn't, and sometimes a repair isn't a claim but a replacement is. The word "minefield" springs to mind.
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As @mdcc_tester says, typically windscreen/key replacement will carry zero or £50 excess. I'd say it's worth either getting your own insurance or looking for an insurance company (there are a couple though can't remember off hand) who let you build NCD as a named driver (Google it). Also worth paying the few extra quid for protected NCD.
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gbj_tester
Pasty_Spumante
@CYOA
Follow up - when insurers say windscreen cover is included, is that subject to the 500 excess generally or is that a separate thing. We had a screen replaced before and I can't recall if we had to pay the excess or instead we paid some other arbitrary 'window fee'.