/**
* 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 $returnVal;
}
/**
* Checks the underwriting answers.
*/
protected function _checkAnswers($quoteId)
{
$params = Zend_Registry::get('params');
$quoteManager = new Manager_Insurance_LandlordsPlus_Quote($quoteId);
$policyNumber = $quoteManager->getLegacyID();
$property = $quoteManager->getProperties();
$postCode = $property[0]['postcode'];
$referralReasons = array();
//Test 3: Answering the underwriting questions.
$answersManager = new Manager_Insurance_Answers();
$answersArray = $answersManager->getUnderwritingAnswers($policyNumber);
if (empty($answersArray)) {
//You can't process for referral if no underwriting answers have first been provided.
throw new Zend_Exception(get_class() . __FUNCTION__ . ": no underwriting answers provided.");
}
for ($i = 0; $i < count($answersArray); $i++) {
$answerGiven = $answersArray[$i]->getAnswer();
$expectedAnswer = $answersArray[$i]->getExpectedAnswer();
$questionNumber = $answersArray[$i]->getQuestionNumber();
//Process questions 53, 60, 61 specially.
if ($questionNumber == '53') {
continue;
}
//Question 6 is dealt with specially.
if ($questionNumber == '60') {
if ($answerGiven == Model_Insurance_Answer::YES) {
//Check the extra args.
$underwritingTerms = new Datasource_Insurance_LandlordsPlus_Terms();
$subsidenceScore = $underwritingTerms->getSubsidenceRiskScore($postCode);
if ($subsidenceScore == 0) {
$referralReasons[] = $params->uw->rr->landlordsp->answer;
}
}
continue;
}
if ($questionNumber == '61') {
//Question 7 is the previous claims answer. The outcome of this is determiend by the
//previous claims logic in the checkUwReferralState() method.
continue;
}
//This is the referencing question. Some calls to this method may want this answer to
//be ignored.
if ($questionNumber == '64' && $this->_ignoreReferencingQuestion) {
continue;
}
//All other questions should be processed here.
if ($expectedAnswer == Model_Insurance_Answer::YES || $expectedAnswer == Model_Insurance_Answer::NO) {
if ($answerGiven != $expectedAnswer) {
print "HERE2 {$questionNumber}<BR>";
$referralReasons[] = $params->uw->rr->landlordsp->answer;
}
}
}
//Return the results consistent with this method's contract.
if (empty($referralReasons)) {
$returnVal = null;
} else {
$returnVal = $referralReasons;
}
return $returnVal;
}
