Comparison
Co-oto vs Getaround, GoMore or Turo: which solution for sharing a car?
Getaround, GoMore, Turo, and alongside them local players such as 2EM in Switzerland, SnappCar in the Netherlands and others: all of these apps talk about car sharing. So does Co-oto. Yet they do not provide the same service, and confusing them leads to picking a tool that does not fit the need.
The sector is moving fast, too: in May 2026, Denmark's GoMore acquired Getaround's European operations, a sign of consolidation among peer-to-peer rental platforms. This guide clarifies what each model does, what it costs, and how insurance applies in each case. Five minutes are enough to know which solution matches your situation.
The essentials in 30 seconds
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Two different services behind one phrase: Getaround, GoMore and Turo organise rentals between individuals who do not know each other; Co-oto structures the sharing of a car among people you know, in a closed, invite-only circle.
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The business model: the platforms commonly take a 20 to 30% commission on the owner's side, plus fees on the renter's side; Co-oto never touches the money, one subscription per circle is enough and any member can take it out.
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Insurance is the real dividing line: during a rental, the platform's coverage replaces the private policy; with Co-oto, the vehicle stays covered by its usual policy, as for any loan to someone you know.
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No matching with Co-oto: no public listing, no device to install; trips entered from the odometer and the vehicle's real costs split among the people who use it.
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The sector is consolidating: in May 2026, Denmark's GoMore acquired Getaround's European operations; the two models remain complementary, rental to strangers on one side, sharing among people you know on the other.
Two car-sharing models, two purposes
Behind the words car sharing sit two distinct realities, which should also not be confused with classic rental or ridesharing, as explained in our article on the difference between car-sharing, rental and ridesharing.
Peer-to-peer rental platforms
They connect owners and renters who do not know each other. The owner publishes a listing, sets a daily price, and the platform organises the transaction: booking, payment, specific insurance during the rental, dispute handling. The purpose is to generate income from an underused vehicle, or to find a car to rent nearby.
Co-oto
Co-oto is for people who share, or want to share, a car with people they already know: family, friends, neighbours, flatmates, colleagues. The app provides the organisational framework: booking calendar, trip entry, sharing of real costs, a history visible to everyone. Each person joins the circle by invitation.
Let us be clear from the start: Co-oto will find you neither a car to rent nor renters for yours. There is no public listing and no matchmaking. If that is your need, a rental platform is the right choice, and the rest of this article will help you understand what it involves.
What a peer-to-peer car rental platform does
How it works varies little from one platform to another, whether it is Getaround, GoMore, Turo or a national player.
A public listing
Photos, description, availability, and a daily price set by the owner, often guided by the platform's recommendations.
Dedicated insurance
During each rental, coverage taken out by the platform replaces the owner's own insurance. It is essential, because renting to strangers for money falls outside the scope of a private car policy.
A commission
The platform takes a cut of every transaction, commonly between 20 and 30% on the owner's side depending on the platform and the country, plus service fees on the renter's side in most markets.
Eligibility conditions
Maximum age and mileage of the vehicle, general condition, and sometimes the installation of a connected device for keyless access and rental tracking.
A contractual framework
Condition report, deposit, excess, and a procedure in case of a dispute.
This model has real value: it monetises vehicles that would otherwise sit idle and offers an alternative to traditional rental agencies. It also has its own logic: every rental is a commercial transaction between strangers, secured and invoiced by an intermediary.
Co-oto has no connection with these platforms. The points above describe how they generally work; their exact terms, commissions and coverage are set out on their own websites and vary by country.
What Co-oto does: private car sharing among people you know
Co-oto organises the sharing of one or more vehicles within a circle of trust, with the tools that prevent misunderstandings in private car sharing. In practice:
An invite-only circle
The owner invites their circle by link or QR code. Nobody else gets in.
Trips entered from the odometer
Starting mileage, ending mileage, visible to both sides. No device to install, no continuous location tracking.
Transparent cost calculation
Configured by the owner: the vehicle's annual fixed costs (insurance, taxes, maintenance, depreciation or leasing) are split in proportion to how long each person uses the car, plus a per-kilometre rate for usage.
A shared statement
In the spirit of an expense-splitting app among friends: everyone sees where they stand, and the balance resets to zero once the owner has been reimbursed.
Payments outside the app
Bank transfer, cash, or your usual payment app. Co-oto never touches the money and takes no commission.
A timestamped logbook
Who drove, when, and for how far. This history serves as a common reference.
The business model follows the same logic as the product: one subscription per circle is enough, any member can take it out, and the whole circle benefits at no extra cost.
Insurance: the real dividing line between the two models
This is the point most comparisons leave aside, and yet it is where everything is decided.
Renting to strangers: a commercial use
Renting out your vehicle for payment counts as commercial use. Private car insurance policies generally exclude it. That is precisely why rental platforms provide their own coverage during each rental: without it, the owner would be driving uninsured. The extent of that coverage, the excess and the exclusions vary by platform and by country; they deserve a careful read before publishing a listing.
Lending your car to someone you know: the private policy framework
Occasional lending follows a different logic. In most European countries, the vehicle's insurance covers occasional lending to someone you know: third-party liability is attached to the vehicle, and the additional guarantees apply according to the terms of the policy. The Swiss rules are set out in detail in our article on car sharing and insurance in Switzerland. Three points of caution come up everywhere:
The regular driver
Someone who uses the vehicle frequently often has to be declared to the insurer. Occasional lending and regular use are two different situations in the eyes of the policy.
Young drivers
Increased excess amounts or specific clauses are common.
National variations
Depending on the country, policies define a circle of authorised drivers, include lending clauses, or leave almost complete freedom. Only your own policy, and your insurer if needed, is authoritative.
Within that framework, a vehicle shared through Co-oto stays covered by its usual policy, exactly as with a classic handover of the keys. Co-oto provides no insurance and does not need to. What the app adds is documentation: the timestamped logbook establishes who was driving, when, and for how far.
That leaves the money exchanged, a point that is often unclear. In a Co-oto circle, the amounts correspond to a split of the vehicle's real costs, since the calculation starts from the invoices entered by the owner. Staying within that cost-sharing framework, without making a profit, is also what distinguishes lending among people you know from a rental activity, with insurance and tax implications that vary from one country to another. When in doubt, your insurer and the local tax authority remain the only valid references. On the practical question of what to ask for, see how much to charge per kilometer.
Comparison table
Scroll the table horizontally.
| Criterion | Rental platforms (Getaround, GoMore, Turo…) | Co-oto |
|---|---|---|
| With whom | Strangers, matched by the platform | People you know, whom you invite |
| Purpose | Earn income or rent a vehicle | Split the real costs of a shared vehicle |
| Price | A daily rate, set for the market | A share of fixed costs in proportion to time used, plus a per-kilometre rate, configured by the owner |
| Commission | Commonly 20 to 30% on the owner's side, plus fees on the renter's side | None; one subscription per circle, which any member can take out |
| Insurance during use | The platform's coverage, replacing the private policy | The vehicle's usual policy, as for any loan to someone you know |
| Hardware | A connected device, depending on the platform and the plan | None; readings taken from the odometer |
| Payment | Through the platform, with a deposit and an excess | Outside the app, directly between you |
| Disputes | A procedure handled by the platform | The trust within the circle, backed by the shared history |
Three situations to choose from
Your car sits idle and you want to earn money from it with strangers
A peer-to-peer rental platform is built for that: visibility, dedicated insurance, a contractual framework. Compare commissions, the eligibility conditions for your vehicle, and the coverage offered in your market.
You share, or want to share, a car with people you know
A second family car used by grown-up children, a shared-flat city car, a van between tradespeople, a camper between neighbours: Co-oto gives that sharing a structure. Bookings, fair accounts, a common history, and the vehicle's insurance that simply stays yours. To bring it up around you, our arguments to convince your friends and family can help.
Both at once
Nothing stops you from renting your car out on a platform some weekends and coordinating the loan to a brother or a neighbour with Co-oto the rest of the time. The two tools coexist without conflict, each on its own ground.
Frequently asked questions
Can Co-oto find me renters or a car to rent?
No. Co-oto works only within a closed, invite-only circle. To rent to strangers or find a vehicle near you, turn to a peer-to-peer rental platform.
Do you make money with Co-oto?
The calculation splits the vehicle's real costs among the people who use it: the owner is reimbursed for what the sharing costs them. This cost-sharing logic, without profit, is also what keeps the arrangement within a private framework with regard to insurance and, depending on the country, tax.
Why does Co-oto take no commission?
Payments happen directly between you, outside the app. Co-oto is funded by a flat subscription: one per circle is enough, and any member can take it out. There is a free version to get started, and 21 days of full features as soon as a second member joins the circle.
What is happening to Getaround?
The brand continues to operate in its European markets, now within the Danish group GoMore, which acquired Getaround's European operations in May 2026. The American parent company had shut down its US operations in February 2025, before starting to wind itself up.
Is lending my car to someone I know covered by my insurance?
Occasional lending is covered by most European policies, with caveats: regular drivers to be declared, young-driver clauses, and rules specific to each country and each contract. Check your policy.
Who are you sharing with?
The choice comes down to that question. With strangers, rental platforms do the work, insurance and commission included. With people you know, Co-oto gives you the framework: bookings, fair accounts, a shared history, zero commission, zero hardware.
The discovery period is free for 21 days, with all features and no credit card. After that, one subscription per circle is enough, and any member can take it out.