Predictika · Novated lease quotes

An AI sales agent's novated lease quote, checked before it goes out

An AI sales agent prepares a novated lease quote for an employee: a new, used or own car, petrol, diesel, hybrid, plug-in hybrid or battery electric, a term, a residual value, the tax method, the kilometers a year, the insurance, and the monthly cost it states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of Australian novated leasing and returns a verdict and every reason.

Scope: Australian novated lease quotes: new, used or own car, five fuel types, terms of 12 to 60 months, the electric car exemption or ECM method, running costs, residual value and the stated monthly cost. See everything this validator covers

This validator models novated lease quotes of the kind SG Fleet Australia offers, not just the scenarios shown below.

  • Employer, term and residual — an employer that offers salary packaging, terms of 12, 24, 36, 48 or 60 months, the minimum residual percentage for each term, and a residual that stays below the price.
  • Tax method and fuel type — the electric car exemption (ZLEV Exempt) for battery electric cars up to the luxury car tax threshold of $91,661, the plug-in hybrid cutoff from April 1, 2025 and its transitional commitments, and the ECM method for everything else.
  • Vehicle, use and cost — new, used and own cars, the vehicle age at lease end, kilometers a year, insurance, the approvals for own cars, high-value vehicles and high kilometers, and the monthly cost the agent states against the validator's own.

Any novated lease quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: corporate and government fleet leasing and the salary-packaging tax calculation itself. Public versus modeled: the running-cost inclusions, the new, used and own car options, the electric car exemption and luxury car tax threshold, the plug-in hybrid cutoff and the ATO minimum residual percentages follow SG Fleet's public pages and public ATO rules; the finance rate, running-cost amounts, administration fee, age and kilometer limits and every approval threshold are modeled by Predictika as typical for novated leases and are not SG Fleet prices or terms.

The AI sales agentBuilds the novated lease quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
Click to expand
    
Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A tax method that depends on the fuel type and the priceOnly with care
The electric car exemption applies to battery electric cars up to a price threshold and to plug-in hybrids only under a transitional commitment, so the rule reads three fields at once.		The fuel type, price, tax method and commitment are fields of one quote and are checked together on every call.
A minimum residual that depends on the termOnly with workarounds
Each term has its own minimum percentage of the price, so the table needs a row per term and a rule that reads it against the residual.		The term, price and residual are checked together on every call.
A stated monthly cost that must equal the computed costOnly with workarounds
The cost is derived from finance, running costs and the administration fee; checking a stated figure against it takes extra formulas that interact with the rest of the rules.		The stated monthly cost is a field in the request and is compared with the computed cost.
Quotes that should go to a person rather than be blockedOnly with care
Approval paths for own cars, high-value vehicles and high kilometers sit beside separate hard limits, and the two must not overlap.		Blocks and approvals come back together; approval-only quotes are not blocked.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
Click to expand
    
Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1A novated lease needs an employer that offers salary packaging; this employer does not take part.
2A term of 72 months is not one of 12, 24, 36, 48 or 60 months.
3The residual of 12,658 dollars is below the minimum residual percentage for a 60 month term on a vehicle costing 45,000 dollars.
4The residual of 45,000 dollars is not below the vehicle price of 45,000 dollars.
5A vehicle price of 4,000 dollars is below the 5,000 dollar minimum.
6The quote uses the ZLEV Exempt method for a battery electric vehicle of 91,662 dollars, above the 91,661 dollar luxury car tax threshold.
7The ZLEV Exempt method applies only to battery electric and qualifying plug-in hybrid vehicles; the quote lists a petrol, diesel or hybrid vehicle.
8Plug-in hybrids generally stopped qualifying for the electric car exemption from 1 April 2,025 and there is no commitment before that date.
9The plug-in hybrid relies on a commitment made before 1 April 2,025; a person should confirm the arrangement has not materially changed.
10A battery electric vehicle under the luxury car tax threshold is quoted with the ECM method; a person should confirm why the electric car exemption is not used.
11The vehicle would be 192 months old at the end of the lease, past the 180 month limit.
12A new vehicle cannot be 2 years old.
13Novating an own car needs a valuation and inspection to confirm the price.
1426 thousand kilometres a year is above 25 thousand; the residual should be reviewed.
1541 thousand kilometres a year is above the 40 thousand a year limit.
16A financed vehicle needs comprehensive insurance, through novated insurance or an own policy.
17A vehicle price of 130,000 dollars is above 120,000 dollars; finance approval should be confirmed.
18The quote states 800 dollars a month; finance, running costs and admin give 1,208 dollars.
19The quote states 1,209 dollars a month; finance, running costs and admin give 1,208 dollars.

  

  

    
Scenarios and results
Click to expand
    
The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Battery electric above the threshold: A $98,000 battery electric novated lease on the electric car exemption with no comprehensive insurance

    
The agent's request. Please prepare a novated lease quote for a new battery electric car priced at $98,000, on a 60-month term with a residual of $20,000, using the electric car exemption method, at 15 thousand kilometers a year, with no comprehensive insurance. The quote states a monthly cost of $1,882. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Residual below the ATO minimum. The residual of 20,000 dollars is below the minimum residual percentage for a 60 month term on a vehicle costing 98,000 dollars.
    • 
      
  • Electric car exemption above the luxury car tax threshold. The quote uses the ZLEV Exempt method for a battery electric vehicle of 98,000 dollars, above the 91,661 dollar luxury car tax threshold.
    • 
      
  • Comprehensive insurance missing. A financed vehicle needs comprehensive insurance, through novated insurance or an own policy.
    • 
      
  • Stated monthly cost does not match. The quote states 1,882 dollars a month; finance, running costs and admin give 2,032 dollars.
    • 
    

    
2. Battery electric above the threshold: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a novated lease quote for a new battery electric car priced at $98,000, on a 60-month term with a residual of $27,600, using the ECM method, at 15 thousand kilometers a year, with novated insurance. The quote states a monthly cost of $1,994. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Lease summary. 1,994 dollars a month in total: 1,642 finance, 337 running costs and 15 admin, over 60 months.
    • 
    

    
3. Used plug-in hybrid, 11 years old: An 11-year-old used plug-in hybrid on a 60-month novated lease on the electric car exemption

    
The agent's request. Please prepare a novated lease quote for a used plug-in hybrid car, 11 years old, priced at $40,000, on a 60-month term with a residual of $11,000, using the electric car exemption method, at 15 thousand kilometers a year, with novated insurance. The quote states a monthly cost of $943. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Residual below the ATO minimum. The residual of 11,000 dollars is below the minimum residual percentage for a 60 month term on a vehicle costing 40,000 dollars.
    • 
      
  • Plug-in hybrid no longer qualifies. Plug-in hybrids generally stopped qualifying for the electric car exemption from 1 April 2,025 and there is no commitment before that date.
    • 
      
  • Vehicle too old at lease end. The vehicle would be 192 months old at the end of the lease, past the 180 month limit.
    • 
      
  • Stated monthly cost does not match. The quote states 943 dollars a month; finance, running costs and admin give 1,033 dollars.
    • 
    

    
4. Used plug-in hybrid, 11 years old: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a novated lease quote for a used plug-in hybrid car, 11 years old, priced at $40,000, on a 36-month term with a residual of $19,000, using the ECM method, at 15 thousand kilometers a year, with novated insurance. The quote states a monthly cost of $1,080. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Lease summary. 1,080 dollars a month in total: 723 finance, 342 running costs and 15 admin, over 36 months.
    • 
    

    
5. Own car at $130,000: An own diesel car novated at $130,000 with a $30,000 residual and 32 thousand kilometers a year

    
The agent's request. Please prepare a novated lease quote for the employee's own diesel car, 2 years old, priced at $130,000, on a 60-month term with a residual of $30,000, using the ECM method, at 32 thousand kilometers a year, with an own insurance policy. The quote states a monthly cost of $2,666. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Residual below the ATO minimum. The residual of 30,000 dollars is below the minimum residual percentage for a 60 month term on a vehicle costing 130,000 dollars.
    • 
      
  • Stated monthly cost does not match. The quote states 2,666 dollars a month; finance, running costs and admin give 2,866 dollars.
    • 
      
  • Own car needs inspection. Novating an own car needs a valuation and inspection to confirm the price.
    • 
      
  • High kilometres. 32 thousand kilometres a year is above 25 thousand; the residual should be reviewed.
    • 
      
  • High-value vehicle. A vehicle price of 130,000 dollars is above 120,000 dollars; finance approval should be confirmed.
    • 
    

    
6. Own car at $130,000: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a novated lease quote for the employee's own diesel car, 2 years old, priced at $130,000, on a 60-month term with a residual of $37,000, using the ECM method, at 32 thousand kilometers a year, with an own insurance policy. The quote states a monthly cost of $2,703. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Own car needs inspection. Novating an own car needs a valuation and inspection to confirm the price.
    • 
      
  • High kilometres. 32 thousand kilometres a year is above 25 thousand; the residual should be reviewed.
    • 
      
  • High-value vehicle. A vehicle price of 130,000 dollars is above 120,000 dollars; finance approval should be confirmed.
    • 
      
  • Lease summary. 2,703 dollars a month in total: 2,170 finance, 518 running costs and 15 admin, over 60 months.
    • 
    

  

  

    
Narration transcript
Click to expand
    
The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a novated lease quote for an employee: a new, used or own car, petrol, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of Australian novated leasing and returns a verdict and every reason.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please prepare a novated lease quote for a new battery electric car priced at $98,000, on a 60-month term with a residual of $20,000. The quote states a monthly cost of $1,882. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with four findings, all in one answer. The residual of 20,000 dollars is below the minimum residual percentage for a 60 month term on a vehicle costing 98,000 dollars. The quote uses the ZLEV Exempt method for a battery electric vehicle of 98,000 dollars, above the 91,661 dollar luxury car tax threshold. A financed vehicle needs comprehensive insurance, through novated insurance or an own policy. The other one is on screen.
    6. 
      
  6. The validator returned four blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
    7. 
      
  7. What this shows: for a stated monthly cost that must equal the computed cost, a rules-based CPQ can do this only with workarounds.
    8. 
      
  8. Now the agent resubmits.
    9. 
      
  9. The corrected request. It changes the residual to 27,600 AUD, the tax method to ECM, the insurance to novated insurance and the stated monthly cost to 1,994 AUD.
    10. 
      
  10. It calls the validator again.
    11. 
      
  11. This time the validator clears it.
    12. 
      
  12. All four earlier findings are cleared, and the validator's total, $1,994, matches the quote.
    13. 
      
  13. Four problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.