/**
* Returns the endorsements required by a quote or policy.
*
* This method will identify the endorsements that should be applied to
* the quote or policy identified by $policyNumber. If any endorsements are
* identified, they will be detailed in one or more Model_Insurance_Endorsement
* objects, which will then be returned in an array. If the quote / policy does
* not merit any endorsements, then null will be returned.
*
* @param string $policyNumber
* The quote or policy number.
*
* @return mixed
* Returns an array of Model_Insurance_Endorsement objects,
* or null if no endorsements are applicable.
*/
public function getEndorsementsRequired($policyNumber)
{
$params = Zend_Registry::get('params');
$returnArray = array();
$quote = new Manager_Insurance_TenantsContentsPlus_Quote(null, null, $policyNumber);
if ($quote->getPolicyName() == 'tenantsp') {
//As a TCI+ policy, this will automatically require a student sharer endorsement
$endorsement = new Model_Insurance_Endorsement();
$endorsement->setPolicyNumber($policyNumber);
$endorsementType = new Model_Insurance_EndorsementType();
$endorsementType->setID($params->uw->ed->tenantsp->studentSharer->id);
$endorsementType->setName($params->uw->ed->tenantsp->studentSharer->name);
$endorsement->setEndorsementType($endorsementType);
$endorsement->setEffectiveDate(new Zend_Date($quote->getStartDate(), Zend_Date::ISO_8601));
$returnArray[] = $endorsement;
//Check if minimum standards of protection endorsement is required.
$mspEndorsementRequired = false;
$contentsAmountCovered = $quote->getPolicyOptionAmountCovered('contentstp');
$mspEndorsementThreshold = new Zend_Currency(array('value' => $params->uw->et->tenantsp->mandatory->contents, 'precision' => 0));
if ($contentsAmountCovered->isMore($mspEndorsementThreshold)) {
$mspEndorsementRequired = true;
} else {
//MSP endorsements are also required if the applicant lives in a 'security' postcode.
if ($quote->getIsHighRisk() == $params->uw->et->tenantsp->mandatory->highRiskFlag) {
$mspEndorsementRequired = true;
}
}
if ($mspEndorsementRequired) {
$endorsement = new Model_Insurance_Endorsement();
$endorsement->setPolicyNumber($policyNumber);
$endorsementType = new Model_Insurance_EndorsementType();
$endorsementType->setID($params->uw->ed->tenantsp->minStandardProtection->id);
$endorsementType->setName($params->uw->ed->tenantsp->minStandardProtection->name);
$endorsement->setEndorsementType($endorsementType);
$endorsement->setEffectiveDate(new Zend_Date($quote->getStartDate(), Zend_Date::ISO_8601));
$returnArray[] = $endorsement;
}
} else {
//This method has been used on a quote/policy that is not TenantsContentsPlus. Throw
//an exception.
throw new Zend_Exception(get_class() . '::' . __FUNCTION__ . ': unknown product.');
}
//Provide a return value consistent with this methods contract.
if (empty($returnArray)) {
$returnVal = null;
} else {
$returnVal = $returnArray;
}
return $returnVal;
}
/**
* Indicates if a matching endorsement exists in the database.
*
* Attempts to retrieve a specific endorsement recorded against the quote or
* policy specified in the Model_Insurance_Endorsement object passed in.
* Returns true or false to indicate this.
*
* @param Model_Insurance_Endorsement $endorsement
* A Model_Insurance_Endorsement object containing all the endorsement information.
*
* @return boolean
* Returns true if an endorsement has been applied, false otherwise.
*/
public function getEndorsement($endorsement)
{
$select = $this->select();
$select->where('policynumber = ?', $endorsement->getPolicyNumber());
$endorsementType = $endorsement->getEndorsementType();
$endorsementId = $endorsementType->getID();
$select->where('endID = ?', $endorsementId);
$result = $this->fetchAll($select);
if ($result->count() == 0) {
// No warning given as this is a common/normal scenario
return false;
}
return true;
}
/**
* Returns the endorsements required by a quote or policy.
*
* This method will identify the endorsements that should be applied to
* the quote or policy identified by $policyNumber. If any endorsements are
* identified, they will be detailed in one or more Model_Insurance_Endorsement
* objects, which will then be returned in an array. If the quote / policy does
* not merit any endorsements, then null will be returned.
*
* @param string $policyNumber
* The quote or policy number.
*
* @return mixed
* Returns an array of Model_Insurance_Endorsement objects,
* or null if no endorsements are applicable.
*
* @todo
* Not yet complete.
*/
public function getEndorsementsRequired($quoteID)
{
//Create a quote object from the $policyNumber
$quoteManager = new Manager_Insurance_LandlordsPlus_Quote($quoteID);
$legacyQuoteId = $quoteManager->getModel()->legacyID;
//Extract the postcode from the policyNumber
$properties = $quoteManager->getProperties();
$postCode = $properties[0]['postcode'];
//Extract the contents cover, if applicable.
if ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::CONTENTS_COVER)) {
$contentsMeta = $quoteManager->getProductMeta(Manager_Insurance_LandlordsPlus_Quote::CONTENTS_COVER);
$contentsCover = $contentsMeta['cover_amount'];
} else {
$contentsCover = 0;
}
$params = Zend_Registry::get('params');
$returnArray = array();
//First check for flood endorsements.
$termsDatasource = new Datasource_Insurance_LandlordsPlus_Terms();
$floodRiskScore = $termsDatasource->getFloodRiskScore($postCode);
if ($floodRiskScore > 0) {
//Mandatory/optional endorsement
$endorsement = new Model_Insurance_Endorsement();
$endorsement->setPolicyNumber($legacyQuoteId);
$endorsementType = new Model_Insurance_EndorsementType();
$endorsementType->setID($params->uw->ed->landlordsp->floodExclusion->id);
$endorsementType->setName($params->uw->ed->landlordsp->floodExclusion->name);
$endorsement->setEndorsementType($endorsementType);
$endorsement->setEffectiveDate(new Zend_Date($quoteManager->getStartDate(), Zend_Date::ISO_8601));
$returnArray[] = $endorsement;
}
//Next check for subsidence endorsements.
$subsidenceRiskScore = $termsDatasource->getSubsidenceRiskScore($postCode);
if ($subsidenceRiskScore > 0) {
//Mandatory endorsement
$endorsement = new Model_Insurance_Endorsement();
$endorsement->setPolicyNumber($legacyQuoteId);
$endorsementType = new Model_Insurance_EndorsementType();
$endorsementType->setID($params->uw->ed->landlordsp->subsidence->id);
$endorsementType->setName($params->uw->ed->landlordsp->subsidence->name);
$endorsement->setEndorsementType($endorsementType);
$endorsement->setEffectiveDate(new Zend_Date($quoteManager->getStartDate(), Zend_Date::ISO_8601));
$returnArray[] = $endorsement;
}
//Next check for minimum standards of security.
if ($contentsCover >= $params->uw->et->landlordsp->mandatory->contents) {
//Mandatory endorsement
$endorsement = new Model_Insurance_Endorsement();
$endorsement->setPolicyNumber($legacyQuoteId);
$endorsementType = new Model_Insurance_EndorsementType();
$endorsementType->setID($params->uw->ed->landlordsp->minStandardProtection->id);
$endorsementType->setName($params->uw->ed->landlordsp->minStandardProtection->name);
$endorsement->setEndorsementType($endorsementType);
$endorsement->setEffectiveDate(new Zend_Date($quoteManager->getStartDate(), Zend_Date::ISO_8601));
$returnArray[] = $endorsement;
}
//Provide a return value consistent with this methods contract.
if (empty($returnArray)) {
$returnVal = null;
} else {
$returnVal = $returnArray;
}
return $returnVal;
}
