In summary, a fiber bundle is locally a topological product with F.
The simplest example is Y~ = Y*F. For every point c, let Y be the open set Vc, and you're there. This is the trivial fiber bundle.
Well almost. The preimage of an evenly covered open set in a covering space is, by definition, a collection of disjoint path components. These need to be components, i.e. open sets, in V cross F. Thus our path components must be true components. This is the case when Y~ is locally path connected. In fact, it is enough to show Y is locally path connected. Suppose Y~ is not locally path connected at a, and project a onto b. Now an open set about b is homeomorphic to an open set about a, and the former is path connected. Hence Y~ is locally path connected after all.
Conversely, a discrete fiber bundle is always a covering space. With F discrete, V*F is a disjoint collection of copies of V, each mapping homeomorphically onto V. Thus V is evenly covered, and Y~ is a covering space for Y. Again, this assumes each component upstairs, i.e. each copy of V, is a single path component, and this is the case when Y~, or Y, is locally path connected.
If every covering space were the trivial bundle Y*F, then every covering space would be disconnected. However, a real line is connected, and it covers the circle.
Next consider complex projective space, CPn, which is the lines running through the origin in Cn+1. Each complex coordinate holds two real coordinates, so project each line onto the unit sphere that lies in 2n+2 dimensions, also known as S2n+1. Multiply all coordinates by c, where c has norm 1, and find another point on the sphere that defines the same line in CPn. We have built another quotient space, where the fiber of any point is a circle, |c| = 1, with the associated topology. Looking locally, assume the first complex coordinate is nonzero, hence it can be scaled to a positive number r. Let ε be anything less than r. Restrict the first coordinate to the anulus between r-ε and r+ε in the complex plane. This defines an open set in S2n+1, mapping onto an open set in CPn. The open preimage in the sphere is homeomorphic to our anulus, which is the open interval in CPn crossed with the circle S1. This is a fiber bundle that is not a covering space, since the fiber of any point is not discrete.
Globally, S2n+1 is not CPn cross S1. Since the first space, i.e. the sphere, is simply connected, h1 = 0. Apply the circle product rule to the second space, and h1 becomes h1(CPn)*h0(CPn), which is Z.