Through Transport Mutual Insurance Association Ltd. Annual Report 2025

TT Club delivered a strong financial year, achieving a surplus after tax of US$20.1m, significantly up from US$4.8m in 2024. Growth was driven largely by strong investment returns (US$45.9m).

Key financial highlights

Gross earned premium: ~US$286m
Net earned premium: ~US$221m
Underwriting deficit: US$29.7m
Total assets: US$1.04bn
Surplus & reserves: US$302.3m

Documents

Annual Report and Financial Statements 2025 (910 kB) 11/05/2026
Download pdf

Date: 06/05/2026

Consent Required

To optimise and continuously improve our website for you, we use cookies. You can accept all cookies or choose only specific ones. You can change these settings at any time.

Mandatory

Essential

These cookies are needed for a smooth operation of our website.

Name	Purpose	Lifetime	Type	Provider
CookieConsent	Saves your consent to using cookies.	1 year	HTML	Website
fe_typo_user	Assigns your browser to a session on the server.	session	HTTP	Website

Analytics

Accept

Name	Purpose	Lifetime	Type	Provider
_dc_gtm_--property-id--	Used by DoubleClick (Google Tag Manager) to help identify the visitors by either age, gender or interests.	1 minute	HTML	Google
DSID	Google: Security, Functionality, Advertising for AdSense, Campaign Manager, Google Ad Manager, Google Analytics, Display + Video 360, Search Ads 360	2 weeks	HTML	Google
test_cookie	Google: Functionality for AdSense, Campaign Manager, Google Ad Manager, Google Analytics, Display + Video 360, Search Ads 360	15 minutes	HTML	Google
IDE	Google: Advertising for Campaign Manager, Display + Video 360, Google Ad Manager, Google Analytics, Search Ads 360	24 months	HTML	Google
FPLC	Google: Analytics for Google Analytics	20 hours	HTML	Google
FPID	Google: Analytics for Google Analytics	2 years	HTML	Google
GA_OPT_OUT	Google: Functionality for Google Analytics	7 years	HTML	Google
__utma	Google: Analytics for Google Analytics	2 years	HTML	Google
__utmb	Google: Analytics for Google Analytics	30 minutes	HTML	Google
__utmc	Google: Analytics for Google Analytics	session	HTML	Google
__utmt	Google: Analytics for Google Analytics	10 minutes	HTML	Google
__utmz	Google: Analytics for Google Analytics	6 months	HTML	Google
__utmv	Google: Analytics for Google Analytics	2 years	HTML	Google
_ga	Used to distinguish users.	2 years	HTML	Google
_gat	Used to throttle request rate.	1 minute	HTML	Google
_gat_--custom-name--	Google: Analytics for Google Analytics	1 minute	HTML	Google
_gid	Used to distinguish users.	24 hours	HTML	Google
_gaexp	Google: Analytics for Google Analytics, Optimize	93 days	HTML	Google
_gaexp_rc	Google: Analytics for Google Analytics, Optimize	10 seconds	HTML	Google
_opt_awcid	Google: Analytics for Google Analytics, Optimize	24 hours	HTML	Google
_opt_awmid	Google: Analytics for Google Analytics, Optimize	24 hours	HTML	Google
_opt_awgid	Google: Analytics for Google Analytics, Optimize	24 hours	HTML	Google
_opt_awkid	Google: Analytics for Google Analytics, Optimize	24 hours	HTML	Google
_opt_utmc	Google: Analytics for Google Analytics, Optimize	24 hours	HTML	Google
_gac_--property-id--	Contains campaign related information for the user. If you have linked your Google Analytics and Google Ads accounts, Google Ads website conversion tags will read this cookie unless you opt-out.	90 days	HTML	Google
AMP_TOKEN	Contains a token that can be used to retrieve a Client ID from AMP Client ID service. Other possible values indicate opt-out, request in progress or an error retrieving a Client ID from AMP Client ID service.	1 year	HTML	Google
_ga_RGQBY4MB8X	Used by Google Analytics to persist session state.	2 years	HTML	Google
NID	Google: Security, Analytics, Functionality, Advertising for AdSense for Search, Google Ads	6 months	HTML	Google
AEC	Ensures requests within a browsing session are made by the user, providing security and preventing cross-site request forgery attacks.	6 months	HTML	Google
DV	Used by Google to provide services and extract anonymous statistical data on user preferences and behavior.	1 days	HTML	Google
SOCS	Stores the user's state regarding their cookie consent choices across Google platforms.	13 months	HTML	Google

External content

Accept

With the help of these cookies we strive to improve our offer for our users. By means of providing video content or other useful content like maps to enhance the user experience.

Name	Purpose	Lifetime	Type	Provider
YouTube	Is used to connect to YouTube and to display videos.	none	Connection	YouTube
YSC	Ensures requests during a YouTube session are made by the real user and not a malicious third-party site. Anti-fraud and security.	0 none	HTML	Google / YouTube
VISITOR_INFO1_LIVE	Measures YouTube bandwidth usage and error rates. May also support personalised recommendations and ad delivery depending on the user's Google ad settings.	6 months	HTML	Google / YouTube
__Secure-YNID	Used by YouTube to test and measure the impact of new features on users.	6 months	HTML	Google / YouTube
PREF	Stores YouTube player preferences including playback settings, volume and player size.	8 months	HTML	Google / YouTube
__Secure-ROLLOUT_TOKEN	Used by YouTube to test and measure the impact of new features on users.	6 months	HTML	Google / YouTube
__cf_bm	Required to see Vimeo content.	1 year	HTTP	Vimeo
OptanonAlertBoxClosed	Saves the state of your Vimeo data protection consent.	1 year	HTML	Vimeo
OptanonConsent	Saves the state of your Vimeo data protection consent.	1 year	HTML	Vimeo
player	This cookie saves your preferences before playing an embedded Vimeo video. This will bring you back to your preferred settings the next time you watch a Vimeo video.	1 year	HTML	Vimeo
vuid	This cookie gathers information about your actions on websites embedding Vimeo videos.	2 years	HTML	Vimeo
_abexps	This cookie remembers your settings. Settings can include language, region or login user. In general this cookie saves data about how you use Vimeo.	1 year	HTML	Vimeo
continuous_play_v3	This cookie is a first-party cookie from Vimeo. The cookie collects information on how you use the Vimeo service. For example, the cookie saves when you pause and play a video again.	2 years	HTML	Vimeo
_cf_bm	Identifies and filters automated bot traffic to protect the Vimeo player. Set by Cloudflare's Bot Management service.	30 minutes	HTML	Cloudflare (via Vimeo)
_cfuvid	Enforces rate-limiting rules for the Vimeo player to prevent abuse.	6 months	HTML	Cloudflare (via Vimeo)
player_clearance	Bot prevention cookie specific to the Vimeo embedded video player	7 days	HTML	Vimeo

Through Transport Mutual Insurance Association Ltd. Annual Report 2025

Key financial highlights

Documents

Annual Report | TT Club Mutual Insurance N.V. 2025

Solvency and Financial Condition Report 2025 | TT Club Mutual Insurance N.V.

Solvency and financial condition report 2025

TT Club Mutual Insurance Ltd Annual Report 2025