use Schadegarant-is an official name and explain:

These decisions relate to co-operation between insurance companies involving the
selection and contracting of car repair companies in relation to their motor-vehicle insurance. The
policyholders are encouraged to make use of one of the selected car repair companies for insured repair
work.
17.
The parties in these cases are Topherstel and Schadegarant. Topherstel consists of 9
insurers. Schadegarant consists of 19 insurers. The joint operating agreements between the insurance
companies are regarded as co-operation in procurement. The relevant product markets in these cases are
the market for the procurement of car repair services and the market for motor-vehicle insurance policies.
18.
Since the market share of Topherstel is small on both the relevant markets, it was
concluded that the possible restraint on competition is not appreciable. In the case of Schadegarant, the
same applies on the procurement market for car repair services. The restraint in competition on the market
for motor vehicle insurance is appreciable due to Schadegarant's large market share. Schadegarant,
however, meets the criteria for exemption and an exemption was therefore granted