Excellent point re windscreen cover...I was with Adrian Flux and I damaged my screen on a motorway journey in my P4SS..I had £75 excess with Flux and they were very good in progressing claim.
However Autowindscreens took 8 weeks to deliver correct screen despite giving them full details: tried to fit glass only into frame..failed..sent wrong screen twice..eventually got 9 stud screen.
Could have been a problem but actually made me get on and fit aeroscreens which I intend to run with all year.
Gott and Wynne excess for screen is £125 BUT you can take it to ant Morgan dealer for screen refit and most have range of screens in stock...so worth extra excess.
So I have a brand new screen all wrapped up and cosy !!