Frequently Asked Questions

While each employer’s policies may vary, in general, you could be eligible if you’re a salaried employee who has completed your probation period and your employer agrees to enter into the arrangement with us.

We combine your lease payments, fuel or charging, registration and CTP, insurance, driver support, repairs and maintenance, tyres, and crash management into a single, convenient payment deducted from your salary.

While we provide an estimated budget, driving habits can vary. If your usage changes, your payments can be adjusted at any time to reflect your actual driving over the course of the lease.

If you already have a car in mind, start by using our online calculator. When you’re ready, one of our sales consultants will prepare a personalised quote and walk you through the details. Since everyone’s circumstances are unique, we recommend seeking independent financial advice before entering a lease.

As a Fleetcare novated lease customer, you could save GST on your car’s running costs, including fuel — that’s a 10% saving right there.

You’ll have access to all major fuel suppliers — BP, Ampol, Shell, Coles and Woolworths — nationwide. Plus, you’ll enjoy half-price car washes at BP stations. Try our novated lease fuel savings calculator to see how much you could save.

With a car loan, the car payments and running expenses are paid for after you’ve been taxed. With a Fleetcare novated lease, the cost of the car, finance and running costs are taken from some or all of your before-tax salary, leaving you with more money in your pocket.

Savings depend on your salary, car choice, and running costs — but with a novated lease, you could save through before-tax payments, GST savings, and fleet discounts. To see your potential savings, check out our Novated Lease Calculator.

With a Fleetcare novated lease, you can choose any car that meets the ATO’s definition of a vehicle, generally, a four-wheeled car that isn’t a commercial vehicle and doesn’t have a payload over one tonne. This means you can lease an electric, petrol, hybrid, or diesel car that’s new, used, privately purchased, or even your existing car.

Fleetcare will find the car you want at the best possible price, including fleet discounts on the car and any accessories you choose. Already found your new car or prefer a used one? No worries! We’ll handle all the paperwork and ensure it’s delivered on time and at a great price.

Yes. With a Fleetcare novated lease, you can salary package an electric, hybrid, petrol, or diesel car.

No. You can novate a used car. However, there may be restrictions depending on the age of the car (for example, if it will be older than 10 years at the end of the lease). All used cars are assessed on a case-by-case basis — you can even novate your existing car.

Of course! A sale and leaseback lets you sell your car to Fleetcare and lease it back under a novated lease arrangement. You get the value of your car in cash to put to better use, while keeping and driving the same car as normal. You’ll also enjoy all the benefits of a novated lease — potential tax savings, convenience, and easier budgeting.

With Fleetcare, you can trade in a car as part of setting up your novated lease. However, trade-in funds can’t be used to reduce the lease principal.

If novating a used car, there may be restrictions depending on the age of the car. All used cars are assessed on a case-by-case basis.

Yes, you can. Dealer-fitted accessories can be included when purchasing a new car, or you can choose from a range of protection packs to help keep your car in top condition throughout the lease.
If you’d like additional accessories or add-ons, Fleetcare can also source them and negotiate competitive pricing with our fleet discounts.

Yes. Our comprehensive insurance is specially designed for novated lease cars and comes standard with every Fleetcare novated lease quote. You can also choose to include Guaranteed Asset Protection (GAP), which ensures you’re never out of pocket if your car is written off.

Yes. You can use your own comprehensive insurance, or take out a Fleetcare policy. If you’re not sure about your options, just speak with one of our consultants — we’re here to help.

If you currently handle your own insurance, you can continue to do so, and we’ll include it in your lease budget for reimbursement.

If your insurance is already part of an existing novated lease,Fleetcare will manage it on your behalf. You also have the option to switch to Fleetcare’s preferred insurer to avoid any out-of-pocket costs.

If your car is already financed, we can take care of paying out the existing loan and set up a novated lease, allowing you to keep your car. This way, you could still benefit from concessional tax savings and reduced running costs.

Simply get in touch, and we’ll review your payout amount and car value to ensure the best outcome for you.

Motor vehicle Fringe Benefits Tax (FBT) applies when an employer provides a car to an employee or their associate for private use.

Because the employer provides the benefit, they are responsible for the FBT. However, under most novated lease packages, your employer deducts both before and after-tax amounts from your salary. The after-tax portion is structured to offset the FBT within your novated lease package. You should always seek independent tax advice to ensure the best outcome for your situation.

A self-managed novated lease is a salary packaging option where you find your own car, choose the finance provider, and arrange your own insurance. Once the lease is set up, your employer’s nominated salary packager manages the running costs and sets up the salary deductions.

A self-managed novated lease lets you choose the most competitive finance package for your car, rather than being limited to your employer’s preferred provider.

This flexibility could save you thousands over the term of the lease, while your salary deductions continue to be managed through your packager.

Setting up a self-managed novated lease only requires one extra form. Fleetcare can either help you source the car you want or work with a car you’ve already selected. Our leasing specialists will then create a package tailored to your individual needs.

Once finance is approved, Fleetcare will handle the car settlement and set up the lease with your employer’s preferred salary packager.

It depends on your employer and the salary packager they work with. In some situations, Fleetcare can provide finance only, while in others we can offer both finance and a complete running-cost package. Either way, your car’s running costs will be included and clearly detailed in your Fleetcare quote.

• Where Fleetcare provides full vehicle management: you’ll receive a fuel or charging card and have all running costs budgeted into your lease deductions, paid from the packager to Fleetcare.
• In other setups: you may need to pay upfront and then claim reimbursements directly from your employer’s salary packager.

Reimbursement claims are usually quick and easy through the salary packager’s phone app or online portal — just upload a photo of your receipt.

Yes. Because it’s a salary packaging arrangement, your employer must be involved to deduct repayments from your salary and pay them to Fleetcare.

Yes. Even if your employer already has a salary packaging provider, you may still be able to access Fleetcare’s novated lease benefits. Your employer’s salary packager would manage the deductions. Learn more about novating through a salary packager.

Yes. Fleetcare can assess your current lease to see how we can best manage it — this is called a re-novation. We’ll make the transition as smooth as possible. Speak with our team on 134 333, or learn more about lease transfers.

You’ll need to return any existing fuel or charging cards, and we’ll issue new Fleetcare fuel or charging cards as a priority. As a Fleetcare novated lease customer, you’ll have nationwide access to BP, Ampol, and Shell fuel cards, as well as Chargefox cards.

No. With a lease transfer (or lease re-novation), your current finance agreement remains unchanged. We simply take over the management of the lease on your behalf.

To find out more about a novated lease, check out our tools and resources that are listed below:

• Novated Lease Calculator - Calculate your savings with a Novated Lease
• Novated Lease Showroom - Check out our Fleetcare Novated Lease offers
• Novated Lease Fuel Calculator - Find out how much you can save on fuel with a Fleetcare Novated Lease
• Salary Sacrificing eBook - Download our FREE eBook to learn the 6 steps to salary sacrificing your new car

Yes, simply keep your fuel/charging receipts, and you’ll be able to claim reimbursement once your online portal is active.

If your fuel/charging card is lost or stolen, contact us immediately on 134 333. Any transactions made on the card before it’s reported missing will be your responsibility.

As long as the expenses are legitimate vehicle operating costs, you just need a valid tax receipt to claim reimbursement. Log in to your Novated Lease Portal to submit your invoices online, and payment will typically be processed within a few days.

Email them to us at  registrations@fleetcare.com.au and we’ll do the rest.

If you’ve opted to arrange your own insurance, you’ll need to pay for it directly and submit a reimbursement request through your online portal. Once there are enough funds in your novated account, the reimbursement will be processed.

Our Novated Portal lets you update your personal details, view your FBT, lease, and transaction information, and submit reimbursement requests.

Log in to the Novated Portal using your login credentials. If you have forgotten your password, you can reset it from the login page or alternatively, call us on 134 333.

Log in to your Novated Lease Portal and you’ll have all your account information easily accessible. You can view reports, update your personal details, and make use of a variety of online tools.

If your account has a credit, we’ll reimburse the full amount to your employer, who will pass it on to you through the usual payroll process. Alternatively, if you’re starting a new lease, the credit can be carried over to help cover the costs of your next car.

The easiest solution is to contact your Fleetcare account manager, who can adjust your salary deductions and realign your payments. You can update your account at any time during your lease.

With Fleetcare, you can access thousands of approved repairers nationwide, covering services such as general maintenance, tyres, windscreens, and batteries. Our maintenance controllers handle everything on your behalf, ensuring you never overpay for servicing or repairs.

Booking a service with Fleetcare is simple. Follow these steps:

1. Visit our Fleetcare Finder.
2. Search by suburb or postcode, and the service you require.
3. Select and book using our map and easy booking form.

Visit our Fleetcare Finder to locate your nearest repairer.

Yes. However, as with any private purchase, you will ultimately be responsible for the car.

Yes. As long as your salary can support multiple novated leases, and your employer allows it, you can lease more than one car.

The residual value is set according to Australian Tax Office (ATO) guidelines. It’s based on the total amount financed and the length of your lease. Residuals ensure leases are structured differently to loans, reflecting expected car value at lease end.

No. You can continue driving your car by either refinancing the residual value (subject to the car’s age) or paying out the residual to own it outright. We’ll handle all the paperwork online, so the process is seamless.

Most electric cars can travel roughly 400km on a single charge — and some can go even further. Considering the average Australian drives about 38km per day, that means you could go up to 10 days between charges. Naturally, how often you’ll need to recharge depends on your driving habits and your car’s specific range.

On the road? There are thousands of public charging stations across Australia, including on major networks like Chargefox, which Fleetcare customers can now access with a dedicated charging card. You can also check locations through the Electric Vehicle Council map or PlugShare.

This can vary depending on the type of charger and your car’s battery size.

• Home charging: Around 6–8 hours with a basic wall charger.
• Public fast chargers: Under 3 hours for a full charge.
• Ultra-rapid chargers: Add up to 300km of range in about 10 minutes.

With new charging stations appearing all over Australia, staying powered up is easier than ever.

Electric vehicles (EV) are currently available from the following, with many more expected to bring EVs into the market soon:

• Tesla
• Mini
• Kia
• Geely
• Chery
• Hyundai
• Volvo
• Polestar
• BYD
• Audi
• BMW
• Mercedes
• Zeekr
• GWM

A novated lease allows you to combine your car and its running costs into one convenient regular payment using part of your before-tax salary.

This can make budgeting simpler and may offer tax savings.

If you choose an eligible electric car, the Electric Car Discount means all your payments are made before tax — allowing you to keep even more of your take-home pay.

Yes, an electric car procured through a novated lease may be eligible for the FBT exemption, provided it meets the following criteria:

• It’s a zero or low-emissions car.
• First owned and used after 1 July 2022.
• Used by a current employee or their associates (such as family members).
• Has never had Luxury Car Tax (LCT) applied.

For more detail, check out our guide to the Electric Car Discount.

Yes. Electric vehicles leased through a novated lease may also be eligible for state-based EV rebates and incentives, helping to lower the overall cost of ownership. We can guide you on your eligibility and explain what’s available in your state.

While you won’t have petrol expenses, electric cars still incur costs such as registration, maintenance, and tyres - all of which are included in your novated lease budget. The upside? EVs typically cost less to service and repair than petrol or diesel cars, so your overall running costs may be lower over the life of the lease.

There are two options:

• Shortcut method — claim 4.2c per kilometre with minimal paperwork.
• Invoice method — claim actual charging costs from home or public stations using receipts.

You can only choose one method per FBT year, and Fleetcare can help you decide which one suits you best.

Note: Charging costs themselves are not GST-exempt under a novated lease — but if you buy and install a home charger, that purchase is GST-exempt.