{"id":640,"date":"2018-08-23T04:28:40","date_gmt":"2018-08-23T04:28:40","guid":{"rendered":"http:\/\/pay.webperth.com\/?page_id=640"},"modified":"2023-05-26T11:06:28","modified_gmt":"2023-05-26T03:06:28","slug":"novated-lease-insurance","status":"publish","type":"page","link":"https:\/\/www.bility.com.au\/salarypackaging\/novated-lease-insurance\/","title":{"rendered":"Novated Lease Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221;][vc_column css=&#8221;.vc_custom_1533180063308{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_row_inner][vc_column_inner]\n\t\t\t<!-- START insureability REVOLUTION SLIDER 6.7.16 --><p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t<rs-module-wrap id=\"rev_slider_19_1_wrapper\" data-source=\"gallery\" style=\"visibility:hidden;background:#eeeeee;padding:0;margin:0px auto;margin-top:0;margin-bottom:0;\">\n\t\t\t\t<rs-module id=\"rev_slider_19_1\" style=\"\" data-version=\"6.7.16\">\n\t\t\t\t\t<rs-slides style=\"overflow: hidden; position: absolute;\">\n\t\t\t\t\t\t<rs-slide style=\"position: absolute;\" data-key=\"rs-28\" data-title=\"Slide\" data-in=\"o:1;\" data-out=\"o:1;\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\/\/www.bility.com.au\/salarypackaging\/wp-content\/plugins\/revslider\/sr6\/assets\/assets\/dummy.png\" alt=\"\" title=\"Novated Lease Insurance\" class=\"rev-slidebg tp-rs-img rs-lazyload\" data-lazyload=\"\/\/www.bility.com.au\/salarypackaging\/wp-content\/uploads\/2018\/08\/header_insureability1300_2-1.jpg\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-19-slide-28-layer-6\" \n\t\t\t\t\t\t\t\tdata-type=\"image\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:50px;y:20px;\"\n\t\t\t\t\t\t\t\tdata-text=\"l:22;a:inherit;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:265px;h:75px;\"\n\t\t\t\t\t\t\t\tdata-frame_0=\"tp:600;\"\n\t\t\t\t\t\t\t\tdata-frame_1=\"tp:600;sR:10;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;tp:600;st:w;sR:4690;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:5;\"\n\t\t\t\t\t\t\t><img decoding=\"async\" src=\"\/\/www.bility.com.au\/salarypackaging\/wp-content\/plugins\/revslider\/sr6\/assets\/assets\/dummy.png\" alt=\"\" class=\"tp-rs-img rs-lazyload\" width=\"351\" height=\"100\" data-lazyload=\"\/\/www.bility.com.au\/salarypackaging\/wp-content\/uploads\/2018\/11\/insureability_division_logo_white.png\" data-no-retina> \n\t\t\t\t\t\t\t<\/rs-layer><!--\n\n\t\t\t\t\t\t\t--><h1\n\t\t\t\t\t\t\t\tid=\"slider-19-slide-28-layer-7\" \n\t\t\t\t\t\t\t\tclass=\"rs-layer\"\n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-color=\"#ffffff\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:50px;y:135px;\"\n\t\t\t\t\t\t\t\tdata-text=\"s:30;l:30;ls:1px;fw:800;a:inherit;\"\n\t\t\t\t\t\t\t\tdata-frame_0=\"tp:600;\"\n\t\t\t\t\t\t\t\tdata-frame_1=\"tp:600;sR:10;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;tp:600;st:w;sR:4690;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:6;font-family:'Raleway';text-transform:uppercase;\"\n\t\t\t\t\t\t\t> Novated Lease Insurance \n\t\t\t\t\t\t\t<\/h1><!--\n-->\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t<\/rs-slides>\n\t\t\t\t<\/rs-module>\n\t\t\t\t<script>\n\t\t\t\t\tsetREVStartSize({c: 'rev_slider_19_1',rl:[1240,1024,778,480],el:[],gw:[1300],gh:[180],type:'standard',justify:'',layout:'fullwidth',mh:\"0\"});if (window.RS_MODULES!==undefined && window.RS_MODULES.modules!==undefined && window.RS_MODULES.modules[\"revslider191\"]!==undefined) {window.RS_MODULES.modules[\"revslider191\"].once = false;window.revapi19 = undefined;if (window.RS_MODULES.checkMinimal!==undefined) window.RS_MODULES.checkMinimal()}\n\t\t\t\t<\/script>\n\t\t\t<\/rs-module-wrap>\n\t\t\t<!-- END REVOLUTION SLIDER -->\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; 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position: absolute;\">\n\t\t\t\t\t\t<rs-slide style=\"position: absolute;\" data-key=\"rs-30\" data-title=\"Slide\" data-duration=\"4360\" data-in=\"o:1;\" data-out=\"o:1;\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\/\/www.bility.com.au\/salarypackaging\/wp-content\/plugins\/revslider\/sr6\/assets\/assets\/dummy.png\" alt=\"\" title=\"Novated Lease Insurance\" class=\"rev-slidebg tp-rs-img rs-lazyload\" data-lazyload=\"\/\/www.bility.com.au\/salarypackaging\/wp-content\/uploads\/2018\/08\/header_insureability500.jpg\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><h1\n\t\t\t\t\t\t\t\tid=\"slider-21-slide-30-layer-5\" \n\t\t\t\t\t\t\t\tclass=\"rs-layer\"\n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-color=\"#ffffff\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:30px;y:135px;\"\n\t\t\t\t\t\t\t\tdata-text=\"s:18;l:22;ls:1px;fw:800;a:inherit;\"\n\t\t\t\t\t\t\t\tdata-frame_0=\"o:1;tp:600;\"\n\t\t\t\t\t\t\t\tdata-frame_1=\"tp:600;sp:480;sR:10;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"tp:600;st:w;sp:270;sR:3870;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:5;font-family:'Raleway';text-transform:uppercase;\"\n\t\t\t\t\t\t\t>Novated Lease Insurance \n\t\t\t\t\t\t\t<\/h1><!--\n\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-21-slide-30-layer-6\" \n\t\t\t\t\t\t\t\tdata-type=\"image\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:27px;y:32px;\"\n\t\t\t\t\t\t\t\tdata-text=\"l:22;a:inherit;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:190px;h:54px;\"\n\t\t\t\t\t\t\t\tdata-frame_0=\"o:1;tp:600;\"\n\t\t\t\t\t\t\t\tdata-frame_1=\"tp:600;sp:10;sR:10;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"tp:600;st:w;sp:310;sR:4340;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:6;\"\n\t\t\t\t\t\t\t><img decoding=\"async\" src=\"\/\/www.bility.com.au\/salarypackaging\/wp-content\/plugins\/revslider\/sr6\/assets\/assets\/dummy.png\" alt=\"\" class=\"tp-rs-img rs-lazyload\" width=\"351\" height=\"100\" data-lazyload=\"\/\/www.bility.com.au\/salarypackaging\/wp-content\/uploads\/2018\/11\/insureability_division_logo_white.png\" data-no-retina> \n\t\t\t\t\t\t\t<\/rs-layer><!--\n-->\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t<\/rs-slides>\n\t\t\t\t<\/rs-module>\n\t\t\t\t<script>\n\t\t\t\t\tsetREVStartSize({c: 'rev_slider_21_2',rl:[1240,1024,778,480],el:[],gw:[500],gh:[180],type:'standard',justify:'',layout:'fullwidth',mh:\"0\"});if (window.RS_MODULES!==undefined && window.RS_MODULES.modules!==undefined && window.RS_MODULES.modules[\"revslider212\"]!==undefined) {window.RS_MODULES.modules[\"revslider212\"].once = false;window.revapi21 = undefined;if (window.RS_MODULES.checkMinimal!==undefined) window.RS_MODULES.checkMinimal()}\n\t\t\t\t<\/script>\n\t\t\t<\/rs-module-wrap>\n\t\t\t<!-- END REVOLUTION SLIDER -->\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#ffffff&#8221; css=&#8221;.vc_custom_1535004658021{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 55px !important;padding-bottom: 35px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1531196105738{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \"  style=\"color:#745392;font-size:32px;display:inline-block;\">\n\t<i class=\"insure-car-fire\"><\/i>\n<\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1535002999432{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 6px !important;padding-bottom: 6px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Comprehensive Insurance<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1531189158931{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \"  style=\"color:#745392;font-size:32px;display:inline-block;\">\n\t<i class=\"insure-safetybuoy\"><\/i>\n<\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1535003234926{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 6px !important;padding-bottom: 6px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Gap Insurance<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1535003313334{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \"  style=\"color:#745392;font-size:32px;display:inline-block;\">\n\t<i class=\"insure-groupprotect\"><\/i>\n<\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1535003221166{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 6px !important;padding-bottom: 6px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Loan Protection Insurance<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1535003324013{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \"  style=\"color:#745392;font-size:32px;display:inline-block;\">\n\t<i class=\"insure-bookopen4\"><\/i>\n<\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1535003146379{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 6px !important;padding-bottom: 6px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Product disclosure Statements<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1535003332585{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \"  style=\"color:#745392;font-size:32px;display:inline-block;\">\n\t<i class=\"insure-taskcash\"><\/i>\n<\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1535003130888{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 6px !important;padding-bottom: 6px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Financial Services Guides<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243; css=&#8221;.vc_custom_1535003339987{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none \"  style=\"color:#745392;font-size:32px;display:inline-block;\">\n\t<i class=\"insure-sharefavorite\"><\/i>\n<\/div><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1535003113529{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 6px !important;padding-bottom: 6px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Lodge a claim<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;30&#8243; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#eeeeee&#8221; css=&#8221;.vc_custom_1535008231359{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 30px !important;padding-bottom: 10px !important;}&#8221;][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1535008215481{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div id=\"ultimate-heading-388969d384eaa6793\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-388969d384eaa6793 uvc-7205  uvc-heading-default-font-sizes\" data-hspacer=\"line_only\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-388969d384eaa6793 h2'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h2 style=\"--font-weight:theme;\">Comprehensive Insurance<\/h2><\/div><div class=\"uvc-heading-spacer line_only\" style=\"margin-top:15px;margin-bottom:20px;height:2px;\"><span class=\"uvc-headings-line\" style=\"border-style:solid;border-bottom-width:2px;border-color:#745392;width:50px;\"><\/span><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1543909158160{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 20px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">Our comprehensive insurance cover is provided through Group Insurance, which has been specifically tailored to a novated lease. No matter how careful we are with our cars, accidents do happen. The comprehensive cover includes the following major benefits;<\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;Product disclosure statement&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004899855{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 10px !important;}&#8221;][vc_btn title=&#8221;Financial Services Guide&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004909799{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 10px !important;}&#8221;][vc_btn title=&#8221;Application form&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004955239{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 40px !important;}&#8221; el_class=&#8221;mwidth&#8221;][\/vc_column][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1535008221163{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_table vc_table_theme=&#8221;simple&#8221;][bg#ffffff;c#745392]Our%20comprehensive%20cover%20includes%3A,[align-right;bg#ffffff]|[bg#ffffff]Faultless%20excess%20%E2%80%93%20Third%20Party%20to%20be%20clearly%20identified%20(see%20Excess%20outline),[bg#ffffff]|[bg#ffffff]Hire%20Car%20costs%20following%20Theft%20%26%20Accident,[align-right;bg#ffffff]%24100%20per%20day%20up%20to%20%242%2C500|[bg#ffffff]Excess%20free%20Windscreen%20(or%20other%20glass),[align-right;bg#ffffff]One%20per%20year%20(No%20excess)|[bg#ffffff]New%20replacement%20vehicle%20up%20to,[align-right;bg#ffffff]24%20months%20from%201st%20registration|[bg#ffffff]Cleaning%20up%20after%20an%20accident,[align-right;bg#ffffff]%2425%2C000|[bg#ffffff]Towing%20costs%20to%20the%20nearest%20repairer%20or%20another%20place%20as%20approved,[align-right;bg#ffffff]|[bg#ffffff]Choice%20of%20Repairer,[align-right;bg#ffffff]|[bg#ffffff]Fire%20Brigade%2FEmergency%20Services%20Costs,[align-right;bg#ffffff]%2410%2C000[\/vc_table][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1535008252785{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 50px !important;padding-bottom: 15px !important;background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1535007796625{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div id=\"ultimate-heading-77369d384eaa67d4\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-77369d384eaa67d4 uvc-3236  uvc-heading-default-font-sizes\" data-hspacer=\"line_only\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-77369d384eaa67d4 h2'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h2 style=\"--font-weight:theme;\">Gap Insurance<\/h2><\/div><div class=\"uvc-heading-spacer line_only\" style=\"margin-top:15px;margin-bottom:20px;height:2px;\"><span class=\"uvc-headings-line\" style=\"border-style:solid;border-bottom-width:2px;border-color:#745392;width:50px;\"><\/span><\/div><\/div>[vc_column_text]Gap insurance is there to cover the insurance shortfall in the event of a total write-off of your vehicle. Cars generally depreciate and the market value of the vehicle, in the event of a total write-off, may be lower that the finance payout for your car.<span class=\"Apple-converted-space\">\u00a0 <\/span>In these situations, GAP insurance will provide given cover to close that shortfall. GAP insurance can be put in place when you buy the car and included in the amount you finance.[\/vc_column_text][vc_row_inner css=&#8221;.vc_custom_1535007847449{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;padding-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;2\/3&#8243;][vc_btn title=&#8221;Product disclosure statement&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004899855{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 10px !important;}&#8221;][vc_btn title=&#8221;Financial Services Guide&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004909799{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 10px !important;}&#8221;][vc_btn title=&#8221;Application form&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004955239{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 40px !important;}&#8221; el_class=&#8221;mwidth&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1535007803597{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<div id=\"ultimate-heading-608569d384eaa6820\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-608569d384eaa6820 uvc-8979  uvc-heading-default-font-sizes\" data-hspacer=\"line_only\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-608569d384eaa6820 h2'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h2 style=\"--font-weight:theme;\">Loan Protection Insurance<\/h2><\/div><div class=\"uvc-heading-spacer line_only\" style=\"margin-top:15px;margin-bottom:20px;height:2px;\"><span class=\"uvc-headings-line\" style=\"border-style:solid;border-bottom-width:2px;border-color:#745392;width:50px;\"><\/span><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1535007872864{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 20px !important;}&#8221;]Gap insurance is there to cover the insurance shortfall in the event of a total write-off of your vehicle. Cars generally depreciate and the market value of the vehicle, in the event of a total write-off, may be lower that the finance payout for your car.<span class=\"Apple-converted-space\">\u00a0 <\/span>In these situations, GAP insurance will provide given cover to close that shortfall. GAP insurance can be put in place when you buy the car and included in the amount you finance.[\/vc_column_text][vc_table][bg#ffffff]Maximun%20cover%20for%20Involuntary%20unemployment,[bg#ffffff;align-right]%2425%2C000|[bg#ffffff]Maximun%20cover%20for%20sickness%20and%20accident,[align-right;bg#ffffff]%2450%2C000[\/vc_table][vc_row_inner css=&#8221;.vc_custom_1535007847449{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;padding-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;2\/3&#8243;][vc_btn title=&#8221;Product disclosure statement&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004899855{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 10px !important;}&#8221;][vc_btn title=&#8221;Financial Services Guide&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004909799{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 10px !important;}&#8221;][vc_btn title=&#8221;Application form&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#666666&#8243; outline_custom_hover_background=&#8221;#666666&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; shape=&#8221;round&#8221; size=&#8221;sm&#8221; css=&#8221;.vc_custom_1535004955239{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 40px !important;}&#8221; el_class=&#8221;mwidth&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#745392&#8243; css=&#8221;.vc_custom_1535005723178{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 50px !important;padding-bottom: 60px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1532513409626{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1535005457099{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;padding-top: 0px !important;padding-bottom: 15px !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>Lodge a claim<\/strong><\/span><\/h2>\n<p>[\/vc_column_text]<div class=\"hr-thin style-line\" style=\"width: 50px;border-color: #ffffff;border-top-width: 2px;\"><\/div>[vc_column_text css=&#8221;.vc_custom_1543909227750{margin-top: 0px !important;padding-top: 10px !important;padding-right: 10% !important;padding-bottom: 0px !important;padding-left: 10% !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">You can lodge a claim electronically by completing the claim form and submitting it to<\/span><br \/>\n<span style=\"color: #ffffff;\">Claims Email: <a style=\"color: #ffffff;\" href=\"mailto:insure@bility.com.au\" target=\"_blank\" rel=\"noopener\"><strong>insure@bility.com.au<\/strong><\/a> Claims Phone: <strong><a style=\"color: #ffffff;\" href=\"tel:1300 198 697\">1300 198 697<\/a> <\/strong><\/span><\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;DOWNLOAD CLAIM FORM&#8221; style=&#8221;outline&#8221; shape=&#8221;round&#8221; align=&#8221;center&#8221; css=&#8221;.vc_custom_1535005704236{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;padding-bottom: 0px !important;}&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1532514768512{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 60px !important;padding-bottom: 0px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1532512744856{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1535008276903{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 10px !important;padding-bottom: 15px !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><strong>Frequently Asked Questions<\/strong><\/h2>\n<p>[\/vc_column_text]<div class=\"hr-thin style-line\" style=\"width: 50px;border-color: #745392;border-top-width: 2px;\"><\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1532514778208{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;padding-bottom: 60px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_tta_accordion c_position=&#8221;right&#8221; active_section=&#8221;9&#8243; no_fill=&#8221;true&#8221;][vc_tta_section title=&#8221;Can I use my own insurance&#8221; tab_id=&#8221;1532514175781-f9e586d7-7372&#8243;][vc_column_text]Yes you can. We will refund you your monthly insurance cost to your nominated banking account. It is your responsibility to ensure that you keep your car insured.<br \/>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Can I pay for my insurance as part of my novated lease&#8221; tab_id=&#8221;1532520222567-db547bf9-2db5&#8243;][vc_column_text]Yes, the cost of insuring your car is paid for by salary packaging it, which means you save the GST and PAYG on the cost of the insurance.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Who underwrites the insurance&#8221; tab_id=&#8221;1532514175805-f5886a21-162c&#8221;][vc_column_text]The comprehensive insurance is underwritten by Inter Hannover in Australia.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Do I benefit from a no claim bonus&#8221; tab_id=&#8221;1532520225211-26d0a1fd-9edf&#8221;][vc_column_text]Yes, when you complete the declaration, the claims history is taken into account when calculating your premium.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_tta_accordion c_position=&#8221;right&#8221; active_section=&#8221;9&#8243; no_fill=&#8221;true&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;Do I have to pay the excess if the accident was not my fault&#8221; tab_id=&#8221;1535008942229-3cdc95c9-67e9&#8243;][vc_column_text]When using our insurance cover, we will recover the excess directly from the 3rd party.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Do I have to use you repairer&#8221; tab_id=&#8221;1535008942313-56395096-8db3&#8243;][vc_column_text]No, you can use the repairer of your choice[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Are other people allowed to drive my car&#8221; tab_id=&#8221;1535008942399-d714a6fa-ed6e&#8221;][vc_column_text]Yes, members of your immediate family who have a valid driver\u2019s license are covered when you use our cover[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;How do I get a quote&#8221; tab_id=&#8221;1535008942487-419dc6de-a1d9&#8243;][vc_column_text]If you are wanting to buy a car and novate it though Novate@bility, we will provide you a quote with your vehicle budget[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;30&#8243; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#745392&#8243; css=&#8221;.vc_custom_1550646182982{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 45px !important;padding-bottom: 30px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1550197527284{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 15px !important;padding-left: 0px !important;}&#8221;][vc_row_inner css=&#8221;.vc_custom_1550211535096{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1550211465311{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 15px !important;}&#8221;][vc_btn title=&#8221;CALL US NOW&#8221; style=&#8221;outline&#8221; shape=&#8221;round&#8221; color=&#8221;white&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; css=&#8221;.vc_custom_1550197212080{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221; link=&#8221;url:tel%3A1300%20198%20697|||&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1550211473827{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 15px !important;}&#8221;][vc_btn title=&#8221;SUBMIT AN ENQUIRY&#8221; style=&#8221;outline&#8221; shape=&#8221;round&#8221; color=&#8221;white&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; css=&#8221;.vc_custom_1550197244120{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221; link=&#8221;url:%2Fcontact-us|||&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1550211483131{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 15px !important;}&#8221;][vc_btn title=&#8221;GET A FREE QUOTE&#8221; style=&#8221;outline&#8221; shape=&#8221;round&#8221; color=&#8221;white&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; css=&#8221;.vc_custom_1550197269118{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221; link=&#8221;url:%2Fnovated-lease%2Fleasing-calculator|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221;][vc_column css=&#8221;.vc_custom_1533180063308{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; css=&#8221;.vc_custom_1533180166184{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1533180144477{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][vc_row_inner css=&#8221;.vc_custom_1533180176241{margin-right: 0px !important;margin-left:&hellip;<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Novated Lease Insurance | Car Insurance | Lend@bility<\/title>\n<meta name=\"description\" content=\"As novated lease experts, we also provide specialist insurance cover for novated vehicles. \u2713 Tailored Solutions \u2713 Competitive Rates \u2713 Lowest Brokerage.\" \/>\n<meta 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