Hi delly,
First of all, good for you for taking this onboard.
Secondly, how did you're son manage to kick the ball at the Plasma TV INSIDE the youth centre, not outside where it should be played?
How old is your son?........Does he work or stil at school?....If he works, get him to pay it.....he did it.
A citizens advice bureau would be an option, as they will know what is available to you, if any, to help you pay the cost.
I've provided you with a link........
http://www.citizensadvice.org.uk/
Lastly, the youth club saying that excess and rise in premiums is not worth it......etc......wondering if they do indeed have insurance?.......and if they do, you can ask them that you will pay the excess plus.... say an extra £50 - £80 to cover premium rise.......so with excess, which could be about £50-£150, you are looking at £200 rather than £500.
Best of luck to you, my love, and hope you get it resolved without too much trouble and personal cost to you and your family.
Kind Regards
yogi x