Schadegarant
Schadegarant is a Dutch foundation, owned by participating insurers, that operates a quality-certified network of auto body and glass repair shops connected via the eXchange digital claims platform.
- Company typePrivate
- Founded1992
- HeadquartersWoudenberg, Netherlands
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Schadegarant does
Schadegarant (legal entity: Stichting Schadegarant) is a Dutch foundation established in 1992 that operates a quality-certified network of auto body and glass repair shops in the Netherlands. It is owned by a consortium of participating damage insurers (schadeverzekeraars), including ABN AMRO, ASR, Nationale-Nederlanden, OHRA, TVM, De Goudse, Rhion, Klaverblad, Mercurius, MSIG Europe, Ansvar, and De Zeeuwse. The foundation runs a complementary subsidiary, Stichting Glasgarant (launched 2006), dedicated to windshield and glass repair. Its core function is routing policyholders from participating insurers to vetted repair shops, intermediating claims processes, and enforcing quality standards across the network.
The technology stack is centered on the eXchange digital damage management platform, introduced in 2010 to replace the legacy SCREEN system. eXchange handles multi-party claims workflows between insurers, authorized agents (volmachten), expertise services, and repair shops, with API/web-service integrations into insurance system houses ANVA, CCS, and Unit4. Layered on top are eXperience (consumer self-service portal for damage reporting, photo upload, and repair tracking, launched October 2021), eXposure (data analytics and partner performance dashboards, redesigned July 2022), and eXperate (premium service tier). Additional service modules include Hagelschade (hail damage), Directe Schadeafhandeling (DSA), and an Openclaims integration for digital front-end claims handling.
The business model is a B2B2C network with two monetized sides: (1) insured parties are routed to network shops via insurer integration and a public company finder; (2) repair shops and authorized agents pay recurring annual network/partner fees (collected via direct debit through the Mijn Schadegarant and Mijn Glasgarant portals), with additional revenue from transaction processing through eXchange. Revenue is not publicly disclosed, the organization is structured as a nonprofit foundation, and the team is small (~10-12 named personnel) covering director, partner/procurement, relationship management, technical product, data, marketing, and service center functions. The group operates from a single headquarters in Woudenberg, Netherlands, and serves exclusively the Dutch market.
Schadegarant firmographics
Firmographics- Name
- Schadegarant
- Legal name
- Stichting Schadegarant
- Website
- https://schadegarant.nl
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Schadegarant is a Dutch foundation, owned by participating insurers, that operates a quality-certified network of auto body and glass repair shops connected via the eXchange digital claims platform.
- Ownership category
- akta.pro rank
Schadegarant industry classification
Industry- Product category
- Auto Damage Claims Management Network
- NAICS
- Automotive Body, Paint, Interior, and Glass Repair (81112), Automotive Glass Replacement Shops (811122)
- SIC
- Services-Miscellaneous Repair Services (7600)
- akta.pro primary industry
- Collision Repair, Bodywork & Paint (Light-Duty) (TLAKAAAK)
- akta.pro secondary industry
- Glass Repair & Replacement (Windshield/Auto Glass) (TLAKAEAF)
Keywords
Where Schadegarant is headquartered
LocationHeadquarters
- HQ city
- Woudenberg
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Schadegarant business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Partner/Network Fees: Annual fees charged to repair shops and other partners for network membership and access to platforms. Fee structure varies by company type and function. Collected through direct debit from bank accounts.
- Transaction Processing: Platform facilitates claims processing between insurers, repair shops, and consumers through eXchange and eXperience platforms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | One time/ perpetual license | Schadegarant Shield - physical signage for partners |
| Freemium | One time/ perpetual license | Digital Logo - electronic brand assets |
| Subscription | Annual | Partner Annual Fee |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Schadegarant product offering
Product offeringCore offering
Schadegarant operates a quality-certified vehicle damage repair network in the Netherlands, connecting participating insurers with vetted auto body repair shops, glass repair specialists, and dealer businesses. The company provides the eXchange digital claims processing platform, the eXperience consumer self-service portal, and the eXposure data analytics platform to facilitate claims handling. Its subsidiary Glasgarant handles glass/windshield damage repair through a separate but integrated network.
Product overview
Schadegarant operates as a network organization managing quality-certified auto and glass damage repair networks in the Netherlands. The company offers a platform-plus-modules architecture centered around the eXchange damage management platform, which connects insurers, authorized agents, expertise services, and repair shops. Complementary modules include eXposure (data analytics), eXperience (customer self-service portal), and eXperate (premium tier). The subsidiary Glasgarant manages a specialized windshield repair network, while Hagelschade and Directe Schadeafhandeling address specific damage types. Schadegarant (established 1992) and Glasgarant (established 2006) are owned by participating insurers.
Differentiator
Problem solved
Functional benefit
Brands
- Glasgarant: Vehicle glass/window damage repair network subsidiary, operated by Stichting Glasgarant, launched in 2006.
- eXchange
- eXperience
- eXposure
- eXperate
Products and services
- eXchange Central digital damage management platform for processing auto and glass damage claims. Enables insurers, authorized agents (volmachten), expertise services, and certified repair shops to collaborate efficiently and securely on damage dossiers. Supports webservices for automatic coverage verification and automated dossier loading with insurance system houses (ANVA, CCS, Unit4).
- eXperience Customer self-service portal enabling insured parties to independently report damage, schedule repair appointments with network partners, upload photos of damage, and track repair progress in real-time. Provides a personalized environment in the insurer's branding.
- eXposure Data analytics and reporting platform that shares operational data with insurance company partners, authorized agents, and repair network members. Provides performance dashboards and business intelligence for partners about their performance within the network.
- eXperate Insurance intermediary platform for damage settlement management, offering advanced features for insurance partners and authorized agents as a premium service tier.
- Schadegarant Network Quality-certified network of auto body repair shops meeting high quality standards. Partner companies receive access to eXchange platform, training, and preferential routing from participating insurers. Partners pay annual fees and commit to quality standards and processes.
- Glasgarant Network Specialized network for windshield and glass damage repair services, operated as a subsidiary foundation (Stichting Glasgarant) with integrated processes through the eXchange platform. Glass repair shops can access a dedicated portal Mijn Glasgarant.
- Directe Schadeafhandeling (DSA) Direct damage settlement service enabling expedited claims processing and direct communication between repair shops and insurers for faster resolution.
Quantifiable outcome
- 4 year warranty on repairs
- +2 more outcomes
Companies that use Schadegarant
Customer profileNamed customers13 records
Segments3 records
Ideal customer profiles3 records
Schadegarant technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
Schadegarant partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- OpenclaimscoreOpenclaims platform integrated with eXchange as a frontend portal for damage reporting. Provides customer portal with personalized environment in insurer's branding where insured parties can report damage, add photos, and track status. Enhances customer experience for insured parties.
- Participating Insurance Companies (ABN AMRO, ASR, De Goudse, Nationale-Nederlanden, OHRA, TVM, Rhion, etc.)coreSchadegarant (1992) and Glasgarant (2006) are owned by participating damage insurers. These insurers direct their policyholders to the network of certified repair shops. The network enables optimized damage repair processes while guaranteeing quality and safety, reducing claims costs for insurers.
- Repair Shop NetworkcoreNetwork of certified auto repair shops, glass repair specialists, and dealers meeting quality standards set by Schadegarant. Partners include repair shops like Autoschade Volendam, Autoschade de Wilde, Van Mossel Autoschade, and dealer groups. Partners pay annual fees and commit to quality standards and processes.
- rhion Verzekeringenminorrhion joined Schadegarant & Glasgarant in December 2022. As a German RheinLand Versicherungsgruppe brand focused on the appointed agent market in Netherlands, rhion connects to eXchange and eXperience platforms for claims processing.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Schadegarant competitors and assessment
Company assessmentDirect peers
- Mitchell International: US provider of collision repair estimating, medical claims, and workflow solutions for P&C insurers. Comparable to Schadegarant's role as a technology-enabled bridge between insurers and auto body repairers, with similar B2B platform economics.
- Audatex (Solera): Solera's flagship collision estimating and claims platform widely used by European insurers. Highly comparable to Schadegarant's eXchange in providing standardized digital damage assessment and repair workflow infrastructure for the insurance industry.
- Solera Holdings: Global provider of software and services for automotive claims, including the Audatex estimating platform. Highly comparable to Schadegarant as a technology-driven intermediary between insurers and the automotive repair ecosystem across multiple markets.
- CCC Intelligent Solutions: US-based SaaS provider of auto insurance claims management, collision estimating, and repair network workflow software. Closely comparable to Schadegarant's eXchange platform in digitizing and orchestrating claims between insurers, repairers, and consumers.
Regional players
- Direct Line Group Auto Repair Network: UK insurer-owned auto repair network operated as part of Direct Line's claims offering. Comparable to Schadegarant's insurer-owned Dutch network model, though Direct Line's network is captive rather than multi-insurer like Schadegarant.
Broad incumbents
- Verisk: Major data analytics and risk assessment provider to the insurance industry, including auto claims analytics. Comparable to Schadegarant's eXposure data layer as a partner-facing analytics platform, though Verisk operates across broader insurance lines globally.
- Carglass (Belron): Global vehicle glass repair and replacement specialist with a large direct service network across Europe, including the Netherlands. Comparable to Schadegarant's Glasgarant subsidiary in delivering managed glass repair at scale via an insurer-aligned network model.
Emerging players
- Snappy: UK-based digital auto claims management startup enabling policyholders to report damage and route to repairers via insurer integrations. Comparable to Schadegarant's eXperience consumer portal and digital claims orchestration, though Snappy is at an earlier stage and UK-focused.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Schadegarant social profiles
Digital presenceSchadegarant compliance and trust
Trust signalCompliance5 records
Schadegarant financial estimates
Financial estimateRevenue estimate
Valuation estimate
Schadegarant leadership team
Management profileNumber of profiles
Profiles10 records
Schadegarant subsidiaries and ownership
Company hierarchySubsidiaries1 record
Schadegarant funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Schadegarant M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Schadegarant
What does Schadegarant do?
Schadegarant operates a quality-certified vehicle damage repair network in the Netherlands, connecting participating insurers with vetted auto body repair shops, glass repair specialists, and dealer businesses. The company provides the eXchange digital claims processing platform, the eXperience consumer self-service portal, and the eXposure data analytics platform to facilitate claims handling. Its subsidiary Glasgarant handles glass/windshield damage repair through a separate but integrated network.
Is Schadegarant a public or private company?
Schadegarant is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Schadegarant founded?
Schadegarant was founded in 1992. It employs 1 to 10 people.
Where is Schadegarant based?
Schadegarant is headquartered in Woudenberg, Netherlands, in the Europe region.
How does Schadegarant make money?
Two revenue lines are on record. Partner/Network Fees are the primary driver. The others are transaction Processing.
Who are Schadegarant's main competitors?
Direct peers on record are Mitchell International, Audatex (Solera), Solera Holdings and CCC Intelligent Solutions. Direct Line Group Auto Repair Network is listed as a regional player. Broad incumbents are Verisk and Carglass (Belron). Snappy is listed as an emerging player.
Does Schadegarant have an API?
Yes. Schadegarant's eXchange platform supports system integrations and data exchange with partner backoffice systems. The system offers webservices for automatic coverage verification and allows automated dossier loading for volmachtkantoren (authorized agents) with system house packages. System houses ANVA, CCS, and Unit4 are integrated with eXchange for automated damage reporting and dossier management.
What industry is Schadegarant in?
Schadegarant's product category is Auto Damage Claims Management Network. Its primary akta.pro industry code is TLAKAAAK, Collision Repair, Bodywork & Paint (Light-Duty), with a secondary code of TLAKAEAF, Glass Repair & Replacement (Windshield/Auto Glass). Its NAICS code is 81112 and its SIC code is 7600.