Yes, if the checks are enabled, then they will be applied when the user chooses a vehicle on the Tusker’s website (please check this article Car Benefit process flow for UK only points 6 and 7 - “User selects a vehicle, configures it and clicks "Calculate quote" (via API). Tusker sends an affordability check request to RG to make sure the person can afford the car… RG runs an affordability check and returns a positive response… In case the user can't afford the vehicle, they're asked to choose another vehicle.” If an employee is under the age of 18, they will not be eligible for the Car Benefit in the first place and cannot be included in the benefit.
If the NMW checks option is left switched on for Tusker on SmartPay, this will create a kind of “first filter” for Tusker applications, as it will ensure that all other gross benefits that the employee has on SmartPay will be taken into account at the moment of submitting the Car Benefit application.
The employee may not be allowed to go to Tusker’s portal if they are to drop below NMW or when redirected, they’ll see items they could afford based on the salary data we have and the ongoing deductions.