I had the same a few years back, accident where woman clipped the front of my car. She actually got out and said sorry I am wearing flip flops and my foot slipped. So insurance claim against her, then my premium goes up, I ask why and get the same response as Roy - you have been involved in an accident then you are likely to be involved in an accident again.
I said so if someone overtakes me dangerously, then I am more likely to overtake someone dangerously. The response was no thats not what I am saying!
It also affected my bike insurance as well at the time, this was crazy....I asked why does the car incident affect my bike insurance, the reply we have to take it into account. I said I have more NCB on my car can I use that on my bike....you can guess the answer. The reason I always questions quotes...Like you say Roy a mad world.
