Do your sales reps or technicians drive their own personal cars for work? This is known as the "Grey Fleet." It seems like the cheap option—you just pay a per-km allowance and don't have to worry about buying cars.
However, in 2026, this is becoming a massive liability bomb for employers.
Work Health & Safety (WHS) Risk
Under Australian WHS laws, a car used for work is considered a "workplace." If your employee is driving a 15-year-old sedan with bald tyres and has an accident while visiting a client, you can be liable. You have zero control over the maintenance or safety rating of their personal vehicle.
The Insurance Gap
Does your employee have "Business Use" noted on their personal insurance policy? If not, and they crash while working, their insurer will deny the claim. This leaves your business exposed to cover the damages.
The Recruitment Edge
In a tight talent market, offering a branded, modern company vehicle (or a Novated Lease option) is a massive perk. It professionalises your brand image—clients trust a rep in a sign-written company vehicle more than one in a beat-up hatchback.
The Finance Solution
We can finance a fleet of modern, safe vehicles for your team. The interest and depreciation are tax-deductible, and you eliminate the WHS risk overnight.
Time to professionalise your fleet? Let's compare the costs of allowance vs. ownership. Call us today.
