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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.
Pasty_Spumante
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'.