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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.
gbj_tester
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'.