Co-Host Agreement Checklist: What Owners and Operators Should Put in Writing

Turo's summer 2026 update added direct co-host payments, splitting trip earnings automatically inside the app. That solves the easy part. Everything that actually goes wrong in a co-host deal lives in the part the app doesn't touch. This is a checklist, not legal advice or contract language -- have a licensed attorney in your state draft or review your actual agreement.

If you're looking for the agreement between a host and a guest, see the private rental agreement checklist instead -- this one covers you and a business partner, not you and a renter.

1. Name which Turo structure you're actually in

A hosting team on the owner's own account, Turo's passive income program (car listed on the co-host's profile, Turo's own standardized agreement applies), or a fully informal deal -- each has different built-in protections. Put the actual structure in writing, not just the money split.

2. The revenue split -- and what it's a split of

Turo's passive income program sets 70% to the owner, 30% to the host. Private arrangements commonly run 20-40% to the operator, with 50/50 usually meaning the operator also shares in costs. The percentage is meaningless until the agreement defines gross vs. net and who eats reimbursable costs like tolls and cleaning.

Be clear about what MooveTrax is here: it doesn't split revenue, process payments, or do two-party accounting. What it provides is the independent record a split gets verified against -- trip counts, mileage, and commands that either match the reported numbers or don't. Record-keeping, not bookkeeping. See how to actually verify activity against what's reported.

3. Whose name is on the loan and the insurance

This is the one that actually hurts people. One party financing a car on their credit while another operates it is a real, sometimes legitimate arrangement -- it's structurally close to Turo's own passive income model. It's also the exact setup behind a documented Miami fraud case: a Turo-fleet operator recruited straw buyers with good credit to finance roughly 90 vehicles, promised 50/50 profit splits, paid loans for a while, then stopped -- leaving the credit-holders on the hook for $3.6 million in lender losses, per Florida's Office of Financial Regulation. The operator was sentenced to 99 months in federal prison.

The honest lesson isn't that every co-host deal is a scam -- it's that whoever's name is on the note carries the downside regardless of who holds the keys. Never falsify anything on a loan application; that's the line between a risky business arrangement and a felony. Check your loan and insurance terms for commercial-use restrictions (see what happens when an insurer finds out about hosting). And if your credit is on the line for a car you don't physically control, you -- not the operator -- should hold the GPS account.

4. Who owns the telemetry

State this directly: the owner installs a hardwired tracker and holds the primary MooveTrax account; the co-host, if they need day-to-day access, gets a sub-account scoped to that vehicle. Every command they send is logged under their name. There's no "read-only" tier to promise here -- what exists is a full audit log of every lock, unlock, and kill switch event, which does the same job in practice.

5. Operating boundaries

A geographic radius and mileage expectations, enforced with geofences and mileage exports -- see the full verification guide for exactly how.

6. Maintenance, damage, and claims

Who pays for what, and who files. Worth knowing: inside a formal Turo hosting team, co-hosts generally cannot file claims, and Turo holds the primary host responsible for a co-host's actions. See the full damage claim workflow.

7. Guest communication standards

Reviews land on whichever profile the car is listed under -- agree on tone and response expectations before a bad review becomes a bigger argument.

8. Reporting cadence

Reconcile monthly: Turo's earnings statement against exported mileage and trip data side by side. Detailed history runs up to 3 months depending on plan -- export on a schedule, don't rely on it being there indefinitely.

9. Exit terms

A notice period, who de-lists the car, and handing back digital access, not just keys -- deactivating the sub-account and removing hosting-team permissions on the way out.

See MooveTrax's tier pricing -- the agreement sets the rules; the audit log is what proves whether they were followed.

This checklist is general information, not legal advice. Have a licensed attorney in your state draft or review your actual co-host agreement.

Sources: Turo passive income hosting program and summer 2026 host release (turo.com); Turo hosting teams permissions documentation (help.turo.com); Florida Office of Financial Regulation, case summary on a $3.6 million auto lending fraud scheme tied to a Turo rental fleet; moovetrax.com homepage and FAQ.