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Roadmap - novated employer

SG Fleet

Created on March 16, 2025

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Roadmap to a novated lease

Start

SG Fleet Novated Leasing

Your complete guide to running your program

managing the program

About us

launching the program

the employee journey

A detailed overview for your internal teams to manage the program and understand varying documents and processes.

With 35+ years experience, we're a leading provider of fleet management, novated leasing and salary packaging services in Australia, NZ and UK.

We provide a specialised plan for seamless operational setup and employee engagement throughout the process.

A step-by-step guide shows employees the novated process; from enquiry through to delivery and in-life lease management.

Go now

Go now

Go now

Go now

About us

01

Global locations

02

Why SG Fleet

03

Dedicated support

04

Shaping the future of mobility

Launching the program

01

Engagement planning

02

Ongoing engagement

03

Operational set upimplementation

04

Ongoing support

LAUNCHING THE PROGRAM

Engagement planning

Benefit from a dedicated Relationship Manager and Engagement Team for program launch

Our dedicated teams will work with you to implement a variety of educational and awareness initiatives. Tailor launch communications and easily share program benefits /resources to get you and your team started. Our engagement initiatives (among others) include:

Live interactive webinars Manufacturer collaboration webinars Panel events Onsite activation days Drive days at your workplace Digital campaigns and articles

LAUNCHING THE PROGRAM

Ongoing engagement

Consistent education for your employees

Once launched, we continue active, ongoing engagement throughout your workplace. Our frequent, high-impact initiatives are designed to be low-effort on your behalf and include a mix of the following that you can share with your employees:

  • Latest news
  • Reviews
  • Enewsletters
  • Special offers
  • …to name a few.

LAUNCHING THE PROGRAM

Implementation

Access a dedicated Customer Success Manager and Novated Client team.

We’re here to support you and your team every step of the way. We'll introduce your Customer Success Manager and our dedicated Novated Client Team to ensure your new program has a structured plan and is integrated seamlessly.

LAUNCHING THE PROGRAM

Ongoing support

A dedicated B2B support team

Our Novated Client Team will handle operational queries and streamline service, including:

  • Providing administrative and data management support
  • Bridging requirements across all teams to ensure timely resolution
  • Maintain accurate records
  • Directing queries to appropriate stakeholders for implementation efficiencies.

The employee journey

01

Car search & enquiry

02

Indicative quotes and consultation

03

Eligibility confirmation

04

Finance application and approval

05

Sourcing a vehicle

06

Quote & sign final VSSS

07

Placing a vehicle order

08

Final documentation

09

Vehicle delivery and settlement

10

Welcome & portal access

THE EMPLOYEE JOURNEY

Car search & enquiry

Our car search calculator helps employees easily compare cars, tailor estimates, see potential savings and understand effects to their take-home salary. Employees can complete our online enquiry form or call us to start the quoting process.

Expected timeframe

Go now

10

THE EMPLOYEE JOURNEY

Indicative quotes and consultation

As part of the consultation process, one of our dedicated consultants will work with your employees to discuss:

  • Options on their choice of car and lease term.
  • Driving behaviours to set up budgets and vehicle running costs.
Once agreed, our consultant will create a final Vehicle Salary Sacrifice Schedule (VSSS) for your employee to complete and sign.

Expected timeframe

10

10

THE EMPLOYEE JOURNEY

Eligibility confirmation

We’ll proactively reach out to confirm employee eligibility with your nominated contact/team.

Note for employer

Expected timeframe

10

10

THE EMPLOYEE JOURNEY
THE EMPLOYEE JOURNEY

Finance application and approval

Online finance application: Employees can easily complete the finance application through our online process. Two-factor authentication: Once they start their application, they will receive a two-factor authentication to ensure the security of their information.

Expected timeframe

10

10

THE EMPLOYEE JOURNEY

Sourcing a vehicle

Depending on the vehicle, there a few different ways for us to source and secure the right car, including via:

  • Our SG Fleet dealer network: If your employee is looking for a new car, we’ll source it using our exclusive fleet discounts.
  • Direct manufacturer purchase: For brands like Tesla, Polestar & BYD, your employee will place the order directly and work with us to include the secured price in their VSSS.
  • Used cars: If your employee is looking for a used car, they can select their car and inform their consultant once confirmed.

Expected timeframe

10

10

THE EMPLOYEE JOURNEY

Quote & sign final VSSS

Once your employee has finalised their choice of vehicle, our consultant will produce a VSSS with their final running costs for their signature. You (the employer) will also need to approve the VSSS. This is generally conducted through 'digital acceptance' where you simply reply 'approve' to the email.

Expected timeframe

10

10

THE EMPLOYEE JOURNEY

Placing a vehicle order

Once the VSSS is signed, we order the vehicle in one of the following ways:

  • SG Fleet dealer network: Our team places the vehicle order on your employee’s behalf. Your employee will receive an estimated delivery date upon dealership confirmation.
  • Direct manufacturer purchase: Your employee will continue to receive updates directly per their order placement.
  • Used cars: Our consultant will work with your employee to manage the process and secure their used car.

Expected timeframe

10

10

THE EMPLOYEE JOURNEY

Final documentation

We’ll send your employee an e-document envelope for review and signature, including:

  • Their novation agreement
  • Finance documents
  • ID requests (if needed)

Expected timeframe

10

10

THE EMPLOYEE JOURNEY

Vehicle delivery and settlement

One of our dedicated Vehicle Delivery Coordinators (VDC) will reach out to finalise paperwork, check all accessories are fitted, and process final checks with the bank prior to delivering and settling your novated lease.

Expected timeframe

10

10

THE EMPLOYEE JOURNEY

Employee welcome program & portal access

Welcome program:Now that your employee is in their new car, we have a comprehensive welcome program to set up their account and encourage them to enjoy the benefits of their new lease, including:

  • Welcome emails
  • Fuel cards
  • Final schedule provision
  • Lease settlement with current interest rate
  • Lease account details

Portal access and managementEmployees can log in and access their novated lease portal online anytime.

  • See lease transactions
  • Log reimbursements
  • Access all required support phone numbers and FAQs
For more information, visit:

  • https://www.sgfleet.com/au/driver-support/novated-driver-support

Show more

Show more

Note for employer

Expected timeframe

10

Managing the program

01

Payroll action

02

Setting up salary deductions

03

Treatment of GST

04

Managing account balances

05

Package reconciliation

06

Employer portal

07

FBT and LVA

MANAGING NOVATED LEASES - PAYROLL

Payroll action

SG Fleet

Once settlement occurs, we’ll forward your nominated contact a Payroll Variation Authority (PVA) report to confirm salary deductions. This PVA report should be processed in the next available pay cycle. Depending on your workplace set up, the PVA may vary. See below the common variations and the relevant sections to be aware of:

Employer

PVA - Statutory FBT method & hold FBT in-house

PVA - SG Fleet collect GST on EC, but not LVA

PVA - SG Fleet collect GST on EC & LVA

PVA - SG Fleet do not collect GST on EC or LVA

MANAGING NOVATED LEASES - PAYROLL

Setting up salary deductions

Employer

Based on the PVA report, your team can set-up ongoing payroll deductions and follow the process below:

  1. Send the pay file:
    • Each pay cycle, send a pay file (remittance) to tiedtopayroll@sgfleet.com and advise what has been deducted.
  2. Deposit thefunds:
    • Within 2 days of the pay cycle, please deposit funds into the nominated SG Fleet bank account.
    • Please note: If your organisation is set up under a direct debit arrangement, funds will be withdrawn accordingly.

Payroll pay file instructions

Information from SG Fleet to you

Information from you to SG Fleet - pay file format

MANAGING NOVATED LEASES - PAYROLL

Treatment of GST

Sample tax invoice You will receive a tax invoice similar to the below, along with additional corresponding collateral.

SG Fleet

Vehicle expenses are paid by SG Fleet inclusive of GST. As your employee is eligible for GST savings through a novated lease, we facilitate this saving by invoicing you for the actual GST incurred on the expenses for each employee, and credit this to your employee’s lease account.

Employer

You can claim the GST cost in full via your regular Business Activity Statement.

MANAGING NOVATED LEASES - PAYROLL

Managing account balances

SG Fleet

We understand that circumstances change, and sometimes an employee’s lease package needs adjusting to align with their usage (for example: moving house or work site, or needing more or less fuel than budgeted). In these cases, we:

Monitor lease accounts: Our dedicated team propactively monitor accounts to identify any variations from the pre-determined budget.

Consult with employees: We reach out to your employees if their account begins to vary, ensuring they are up-to-date with any changes.

Confirm adjustments: Once confirmed with your employee, we advise your payroll team of any adjusted salary deductions.

Issue an updated PVA: An updated PVA is provided to reflect the new budget and salary deductions.

MANAGING NOVATED LEASES - PAYROLL

Package reconciliation notification

Employer

If an employee ceases employment, please notify us as soon as possible. Click the button below to initiate the process.

Initiate package reconciliation

SG Fleet

Once we’ve received the information, we’ll complete a reconciliation of your employee’s lease account, and final adjustments will be forwarded to you for processing in the final pay cycle.

Reconciliation advice instructions

MANAGING NOVATED LEASES - PAYROLL

Employer portal

Need help navigating? Watch this video for some handy tips to navigate each section.

Employer

Access our dedicated online portal - Fleetintelligence - any time to view and access live reports for your novated lease program.

Login now

MANAGING NOVATED LEASES - TAXATION

FBT and LVA

SG Fleet

Fringe Benefits Tax ( FBT)

Novated leases are fringe benefits provided to your employees. These should be at no cost to your company. To mitigate this, SG Fleet calculate salary deductions for vehicles, and setup collections via payroll for these. SG Fleet will manage the collection of data and provide reporting to use in preparing your FBT return. This is provided annually after completion of the FBT year.

Luxury Variation Adjustment (LVA)

A comprehensive explanation of the LVA can be found SG Fleet can provide reporting to assist with managing vehicles that incur the Luxury Vehicle Adjustment. If SG Fleet collect the LVA on your behalf, this is built into the pre-tax component of the lease and refunded bi-annually

here.

Dedicated support

Localised teams to support your businessOur business offers dedicated support support for your internal teams, ensuring smooth implementation and ongoing management of your novated program.

Manages new clients for the first two years, ensuring smooth setup and transition to the Relationship Management team.

Customer Success Manager

Becomes the main contact after the initial period, providing personalised support and maintaining strong client relationships.

Relationship Manager

Specialises in operational aspects, working with your Relationship Manager to address queries and ensure efficient program management.

Client Support Team

novated.client@sgfleet.com

Campaigns and content

Special offers, driver reviews, and car articles

Each month, we curate a content calendar with the best novated and automotive news for your intranet. This includes special offers, market discounts, and car news tailored for your employees. We email this content to you monthly—just download the image file, grab the click-through link, and post it on your communication channel. This streamlined process keeps your employees updated and engaged with the latest industry developments

Test drive days

We'll bring the drive experience to your workplace

SG Fleet's national team will bring test drive days to your workplace, allowing employees to experience our vehicles firsthand. Our team ensures an engaging and informative event with various cars available for test drives. If there's outdoor space, we can set up a dedicated area. Our easy-to-use B2B booking program lets you book your workplace, and we'll handle the rest.

Panel event

Driving conversation together

SG Fleet's annual live event features key leaders from manufacturer partners and a senior SG Fleet representative, offering insights on novated leasing and industry trends. This event showcases our strong partnerships and collaborative efforts, providing clients and their employees with expert knowledge and industry updates. It underscores our commitment to exceptional value and collaboration.

Live interactive webinars

Monthly educational sessions

Our monthly webinars, hosted by Education & Awareness Specialists, help your employees understand novated leasing. Always accessible on our website, we also provide all the necessary marketing materials for your intranet. Our system handles everything from registration to reminders.

Manufacturer webinars

Live in-conversation series

We've launched a webinar series with various manufacturers to provide valuable insights to our clients and their employees. Each session features in-depth conversations with manufacturer representatives, addressing key audience questions. These webinars keep everyone informed about the latest industry developments and opportunities, empowering clients and employees to make informed decisions for their success and satisfaction

PVA sample

SG Fleet collect GST on EC, but not LVA

PVA sample

SG Fleet do not collect GST on EC or LVA

Information from SG Fleet to you

Eight fields that need to appear on your system.
  1. Unique ID/Person Product ID – provided by SG Fleet
  2. Employee payroll number
  3. Employee Surname
  4. Employee First Name
  5. Pre-tax deduction
  6. Post-tax deduction
  7. GST on post tax deduction
    1. This money is deducted from pre-tax and either retained in-house or managed by SG Fleet to refund back to you
  8. Luxury Vehicle Adjustment (LVA)
    1. This money is deducted from pre-tax and either retained in-house or managed by SG Fleet to refund back to you

Fleetintelligence

Video guide for employee use.

PVA sample

SG Fleet collect GST on EC and LVA

Information from you to SG Fleet

The file containing six fields (as per below example) is sent to SG Fleet. Depending on your payroll set up with SG Fleet, the GST / Luxury Vehicle Adjustment (LVA) may either be kept by payroll or remitted to SG Fleet. Please refer to your Relationship Manager regarding your set-up. The pay file:
  • The file should ideally be in CSV format, if not Excel will suffice.
  • Figures should be positive, not negative values.
  • All figures for each lease need to be on the one line.
Example pay file layout for CSV

Why SG Fleet?

Building strong partnerships and tailored solutions. Our strong, long-term relationships with customers, financiers, motor dealerships, manufacturers, and suppliers are the best evidence of the value we create for our partners. We are a trusted and respected provider of fleet management solutions in our chosen markets. For decades, blue chip businesses and large government departments in Australia, New Zealand, and the UK have turned to us to manage their mobility assets and prepare for the future.

Unrivalled expertise.
Real convenience.
Meaningful value.

Our knowledge and expertise allow us to advocate for our customers and better meet their needs.

We connect real people with innovative technology to deliver superior customer service.

We are driven to deliver our customers maximum value and benefit, all throughout the product life cycle.

Shaping the future of mobility

Driving growth, innovation and sustainable solutions. At SG Fleet, we go beyond fleet management solutions by partnering with customers to meet their sustainability goals. We keep your employees informed about the latest industry developments, including the Electric Vehicle (EV) discount bill, enabling them to benefit from novated savings and transition to sustainable vehicles. Our support teams help integrate these practices into your fleet management strategy, ensuring both your organisation and employees benefit from the latest advancements and incentives. Together, we support a greener future.

PVA sample

Employers who offer stat FBT and hold FBT in-house.

Onsite activations

Bringing novated leasing to your workplace

SG Fleet's national team of Novated specialists will visit your workplace, allowing employees to speak with our representatives in person. We ensure a successful day with engaging offerings and can bring cars onsite if there's outdoor space. Our easy-to-use B2B booking program lets you book your workplace, and we'll handle the rest.

See here

Global organisation

Over 30 years of innovation and industry leadership. SG Fleet is a leading provider of integrated mobility solutions, including fleet management, vehicle leasing, and salary packaging services. We have a presence across Australia, as well as in the United Kingdom and New Zealand, employing over 1,100 staff and managing over 250,000 vehicles. SG Fleet has a unique position in the marketplace, built on the experience and product expertise of its team. An innovative mindset is core to everything we do.

Note for employer: Prior to settlement, we will forward the co-signed Novation Agreement for your signature via our e-docs portal. Alternatively, we can execute the document via a delegated authority arrangement with you. Once the documentation is returned to SG Fleet, the lease can commence. We’ll also send you the employer notification for deductions. Subject to payroll cutoff, deductions for the novated lease may begin in the next available pay cycle.

Reconciliation advice

Postivie balance: Any positive balance is advised to your you via the reconcilation advice to reconcile against deductions taken via payroll and invoice payments made to SG Fleet. Manage via the pay file accordingly. Note: If you are on EFT set-up then we return the funds to you per our agreement to pass on to the employee. Negative balance: Any negative balance will be invoiced to you to be paid in our standard invoice terms.