Schadegarant

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.

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

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

• Auto damage repair network
• Vehicle glass repair
• Insurance claims processing
• Digital claims platform
• Certified repair network

Headquarters

HQ city

Woudenberg

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. Transaction Processing: Platform facilitates claims processing between insurers, repair shops, and consumers through eXchange and eXperience platforms.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core 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

Named customers13 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• OpenclaimscoreTechnology or Integration · 1 December 2020Openclaims 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.)coreChannel Partner/ Reseller/ Distributor · 1 January 1992Schadegarant (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 NetworkcoreChannel Partner/ Reseller/ DistributorNetwork 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 VerzekeringenminorChannel Partner/ Reseller/ Distributorrhion 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

Direct 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

• YouTubeyoutube.com/channel/UCIdQAQl9bJLg2RzxS7kH1hw
• LinkedInlinkedin.com/company/schadegarant
• Instagraminstagram.com/schadegarant

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Schadegarant