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We are changing the way people buy, sell and manage their cars for the better

With the COVID-19 situation continuing to evolve, we understand that you may be facing some uncertainty. Rest assured that our business has been classified as an ‘essential service’, and we will remain open to meet the needs of our customers.

We have introduced a number of measures to ensure we can continue to support you including:

  • Equipping our team with the technology to work safely and securely from home to ensure continued service throughout this period
  • Online webinars and dedicated phone appointments to discuss your novated leasing requirements
  • Redeployment of our people to make more staff available in our customer support teams, and
  • Creation of this support hub to help keep you as informed as possible

Here you will find general information and the best ways to contact us during this time so that we can support you most effectively.

We will continue to keep this page updated so please check back as needed.

Self-serve options

Should you need to, you can activate your online account / re-set your password from our website without the need to wait in any queues. Simply go to My nlc .

You can access your online account 24/7 to complete many everyday tasks, such as:

  • Keeping track of your vehicle expenses and checking your account balance
  • Making expense/reimbursement claims
  • Updating your bank details
  • Accessing our suite of forms

Your support in using online options where possible is appreciated as we continue to assist customers who are directly affected by the COVID-19 situation as quickly as possible.

Frequently Asked Questions related to COVID-19

This information outlines scenarios related to novated leasing during this time. Please note that your options will depend on your individual circumstances.

What will happen if I need to take sick leave?

If you are on paid sick leave, your employer will continue to deduct your regular payment from your pay and send it through to nlc. As such your novated lease will continue to operate as per usual.

What are my options if I need to take Leave Without Pay and I will not have salary contributions on my novated lease?

Firstly, we need to establish whether your employer will allow you to maintain your novated lease arrangement without any salary deductions and provided your novated lease account balance is sufficient to do so.

If this is allowed, the following three options may be available to you, depending on your individual circumstances. If your employer requires you to cease your novation arrangement whilst on LWOP, please skip to Option 2 or 3.

Please have a ‘stand down notice’ from your employer ready to send to us so that we can assist you with your individual circumstances.

Option 1: Maintain novation arrangements if you have a sufficient account balance

If you have a sufficient novated lease account balance, you may continue to utilise your available balance towards the minimum running costs of your vehicle which include:

  • Finance payments (if these are not deferred – see below)
  • Comprehensive insurance arranged by nlc
  • LeaseGuard (insurance providing protection in the event of involuntary redundancy)

If your account balance is insufficient, options will be available for you to top up your account balance. This can be done by making a direct post-tax payment into our nominated bank account. Any additional post-tax top up payments will automatically offset any additional FBT liability over this period.

We strongly recommended that, if you have comprehensive insurance arranged by nlc, or insurance providing protection in the event of involuntary redundancy, you continue to maintain enough account balance to support these payments at a minimum so that your coverage continues throughout this period. For redundancy coverage:

LeaseGuard – this is a regular payment paid from your novated lease account. Your coverage will continue until such time as the payments are ceased, meaning you can make a claim for redundancy up until the time you cease payments.

Lease Protector – the premium for this policy was paid for at lease inception and will continue up until the original lease expiry date (i.e. if you defer your finance payments for three months, your coverage will still cease on the original lease expiry date, even though your lease expiry date may be extended).

You can also apply for a finance payment deferral during this time. This will help reduce deductions from your novated lease account, so it can remain open longer. Options on how to do this will be provided to you during your discussions with an nlc representative. This will be assessed on a case by case basis to support your personal circumstance.

Other running costs such as fuel, maintenance and registration may continue to be paid through your account balance if there are funds to support this and this will need to be assessed at the time. However, it is more important to maintain finance payments (if not deferred) and insurance payments so, even if you have funds available, please consider paying for other running costs directly. These receipts can be claimed for future reimbursement when salary contributions re-commence.

Please note: Additional Fringe Benefit Tax (FBT) liability may result. This is because your scheduled pre- and post-tax salary deductions have ceased and therefore you will have no post-tax salary deductions to offset FBT liability during this period (applicable if your lease is on the Employee Contribution Method).

It is therefore recommended that you retain any receipts in relation to post-tax payments towards your vehicle expenses, as you can use these to offset any FBT liability.

Option 2: 
De-novate your Novated Lease

If your novated lease account balance cannot support Option 1 and you are not in a position to top it up during this period, nlc will be required to de-novate your lease. At this point, all services will be stopped and reconciled back to your employer and a direct arrangement will need to be put in place with the financier.

In this event, LeaseGuard coverage will be cancelled and you will also be required to seek your own comprehensive insurance.

Please note: This option will still allow you to apply for a finance payment deferral. However, new terms and conditions may apply with the financier and the decision may be subject to a full credit assessment and approval.

Option 3: Pay out your lease

If you wish to pay out your lease, we can provide you with an early termination payout invoice at any time. Upon payment, you will then own the vehicle outright and you can choose to either keep the vehicle or sell it at a time that suits you.

I have insurance providing protection in the event of involuntary redundancy – what does this cover?

If you have involuntary unemployment cover as part of your Novated Lease, our nlc insurance team can answer any questions you may have and can assist you with lodging a claim.

The nlc insurance team can be contacted via phone on 1300 657 211 between 8:30am – 5:30pm AEST, Monday to Friday or via email at

How should I contact you to make arrangements in the event that my employment circumstances change?

We have a dedicated team to assist customers whose employment has been impacted. To initiate discussions, please email a copy of your stand-down notice from your employer and any questions to A member of our team will then be in contact with you as quickly as possible.

If you have any additional questions, you can also contact our Customer Support Team on 1800 652 652.

I need to speak to an nlc representative about a matter unrelated to COVID-19 – can I still call? 

Yes, if your query cannot be managed via the self-serve options outlined above, call us on 1800 652 652 between 8:30am – 5:30pm, Monday to Friday or submit a website Contact Us form and we will direct your enquiry to the appropriate team. 

We appreciate your patience as we work through higher than usual call and email volumes. 

Please note: Our general FAQs page is also a good reference point for questions about novating and managing a car.

I am interested in buying a new car – can I still do so? 

Absolutely. If you’re in the position to make a move, these unprecedented times have led to strong car buying conditions. With car manufacturers keen to find ways to keep stock turning over, expect to see some major discounts on offer.

To see the latest novated deals pre-negotiated by nlc exclusively for our customers, visit our specials page.