/**
* RRP MTA's
*/
public function rentRecoveryPlusMtaAction()
{
$request = $this->getSymfonyRequest();
$mtaType = $this->getContainer()->get('rrp.form.mta');
$policyNumber = null;
if ($request->isMethod('GET')) {
$policyNumber = $request->get('policyNumber');
} else {
if ($request->isMethod('POST')) {
$postedData = $request->request->get($mtaType->getName());
if (array_key_exists('policyNumber', $postedData)) {
$policyNumber = $postedData['policyNumber'];
}
}
}
if (!empty($policyNumber)) {
/** @var object $applicationDecoratorClass */
$applicationDecoratorClass = $this->getContainer()->get('rrp.application.decorator.class');
/** @var RRP\Application\Decorators\RentRecoveryPlusPolicy $policy */
$policy = $applicationDecoratorClass::getDecorator('RentRecoveryPlusPolicy');
if (!$policy->populateByPolicyNumber($policyNumber)) {
$this->renderTwigView('/rentguarantee/rent-recovery-plus-error.html.twig');
return;
}
$policyOptionsManagerClass = $this->getContainer()->get('rrp.utility.policy_options_manager.class');
$propertyRental = $policyOptionsManagerClass::getOption($policy->getAppData()->getPolicyOptions(), Model_Insurance_RentRecoveryPlus_LegacyPolicy::POLICY_OPTION_RRP, $policy->getAppData()->getAmountsCovered());
$isNilExcess = $policyOptionsManagerClass::isOptionSet($policy->getAppData()->getPolicyOptions(), Model_Insurance_RentRecoveryPlus_LegacyPolicy::POLICY_OPTION_RRP_NIL_EXCESS, $policy->getAppData()->getAmountsCovered());
/** @var RRP\Model\RentRecoveryPlusMta $mtaSetter */
$defaultMta = $this->getContainer()->get('rrp.model.mta');
$defaultMta->setPolicyNumber($policy->getAppData()->getPolicyNumber())->setPolicyStartedAt($policy->getAppData()->getStartDate())->setPolicyExpiresAt($policy->getAppData()->getEndDate())->setReferenceType($policy->getRrpData()->getReferenceType())->setPropertyRental($propertyRental)->setRefNo($policy->getAppData()->getRefNo());
$referenceTypeClass = $this->getContainer()->get('rrp.reference_types.class');
$isNilExcessAllowed = $referenceTypeClass::isNilExcessAllowed($policy->getRrpData()->getReferenceType());
// Ensure date picker CSS and JS are available
$this->view->headLink()->appendStylesheet('/assets/vendor/jquery-datepicker/css/datePicker.css');
$this->view->headScript()->appendFile('/assets/vendor/jquery-date/js/date.js');
$this->view->headScript()->appendFile('/assets/vendor/jquery-datepicker/js/jquery.datePicker.js');
$form = $this->getFormFactory()->create($mtaType, $defaultMta);
if ($request->isMethod('POST')) {
$form->submit($request);
if ($form->isValid()) {
// Check if only an update of the form to add/remove field. If so it will pass the isValid check
// as it doesn't undergo full validation so we need catch it separately
if ($request->isXmlHttpRequest()) {
$update = true;
} else {
$update = $form->get('update')->isClicked();
}
if (!$update) {
// Check if only an update of the form to add/remove field. If so it will pass the isValid check
// as it doesn't undergo full validation so we need catch it separately
/** @var RRP\Model\RentRecoveryPlusMta $mta */
$mta = $form->getData();
/** @var RRP\Rate\RateDecorators\RentRecoveryPlus $rateManager */
$rateDecoratorClass = $this->getContainer()->get('rrp.rate.decorator.class');
$referralRequired = false;
try {
/** @var RRP\Rate\RateDecorators\RentRecoveryPlus $rateManager */
$rateManager = $rateDecoratorClass::getDecorator('RentRecoveryPlus', $this->_agentsRateID, $this->_params->connect->settings->rentRecoveryPlus->riskArea, $this->_params->connect->settings->rentRecoveryPlus->iptPercent, $mta->getPropertyRental(), $isNilExcess, $policy->getRrpData()->getReferenceType(), $policy->getAppData()->getPolicyLength(), $policy->getAppData()->isPayMonthly(), DateTime::createFromFormat('Y-m-d', $policy->getAppData()->getStartDate()));
} catch (Exception $ex) {
$referralRequired = true;
}
$mtaDecoratorClass = $this->getContainer()->get('rrp.mta.decorator.class');
/** @var RRP\Mta\Decorators\RentRecoveryPlusMta $mtaDecorator */
$mtaDecorator = $mtaDecoratorClass::getDecorator('RentRecoveryPlusMta');
$mtaID = $mtaDecorator->create($policy, $mta, $rateManager->getPremium(), $rateManager->getQuote(), $rateManager->getIpt(), $rateManager->getNilExcessOption());
$proRataCalcClass = $this->getContainer()->get('rrp.utility.pro_rata_calcs.class');
/** @var RRP\Utility\ProRataCalculations $proRataCalcs */
$proRataCalcs = new $proRataCalcClass($mta->getPolicyStartedAt(), $mta->getMtaEffectiveAt());
$premiumDelta = $proRataCalcs->getAdjustment($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $rateManager->getPremium(), $policy->getAppData()->getPremium());
$iptDelta = $proRataCalcs->getAdjustment($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $rateManager->getIpt(), $policy->getAppData()->getIpt());
$quoteDelta = $proRataCalcs->getAdjustment($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $rateManager->getQuote(), $policy->getAppData()->getQuote());
$premiumProRata = $proRataCalcs->getProRata($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $rateManager->getPremium(), $policy->getAppData()->getPremium());
$iptProRata = $proRataCalcs->getProRata($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $rateManager->getIpt(), $policy->getAppData()->getIpt());
$quoteProRata = $proRataCalcs->getProRata($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $rateManager->getQuote(), $policy->getAppData()->getQuote());
/** @var RRP\Referral\RentRecoveryPlusReferral $referral */
$referral = $this->getContainer()->get('rrp.referral');
$referral->setFromMta($mta, $rateManager->getPremium());
if (!$referralRequired) {
$referralRequired = $referral->isReferralRequired();
}
if ($referralRequired) {
$policy->getAppData()->setPayStatus(Model_Insurance_RentRecoveryPlus_LegacyPolicy::PAY_STATUS_REFERRED);
$policyNote = new Datasource_Insurance_PolicyNotes();
$note = "This policy has been referred for the following reason(s)\n\n" . implode("\n", $referral->getReferralReason());
$policyNote->addNote($policy->getAppData()->getPolicyNumber(), $note);
// Send referral email
$subject = str_replace('{$policyNumber}', $policy->getAppData()->getPolicyNumber(), $this->_params->connect->settings->rentRecoveryPlus->referral->emailSubject);
$message = $this->getContainer()->get('twig')->render('rent-recovery-plus-mta-referral-mail.plain.twig', array('agentName' => $this->_agentObj->name, 'agentSchemeNumber' => $this->_agentSchemeNumber, 'referralReasons' => $referral->getReferralReason()));
$mailManager = new Application_Core_Mail();
$mailManager->setTo($this->_params->connect->settings->rentRecoveryPlus->referral->emailToAddress, $this->_params->connect->settings->rentRecoveryPlus->referral->emailToName)->setFrom($this->_params->connect->settings->rentRecoveryPlus->referral->emailFromAddress, $this->_params->connect->settings->rentRecoveryPlus->referral->emailFromName)->setSubject($subject)->setBodyText($message);
$mailManager->send();
$this->renderTwigView('/rentguarantee/rent-recovery-plus-mta-referral.html.twig');
return;
}
if ($premiumDelta == 0) {
$paymentDetails = 'We are pleased to confirm this has not affected your premium.';
} else {
if ($policy->getAppData()->isPayMonthly()) {
$paymentDetails = sprintf('From the date of the adjustment this will appear on your invoices as monthly' . ' payments of £%.02f plus £%.02f (IPT at %d%%). Total monthly payment £%.02f. ', $premiumProRata, $iptProRata, $this->_params->connect->settings->rentRecoveryPlus->iptPercent, $quoteProRata);
} else {
if ($premiumDelta < 0) {
$paymentDetails = sprintf('This will appear on your next invoice as a refund of' . ' £%.02f plus £%.02f (IPT at %d%%). Total £%.02f. ', -$premiumDelta, -$iptDelta, $this->_params->connect->settings->rentRecoveryPlus->iptPercent, -$quoteDelta);
} else {
$paymentDetails = sprintf('This will appear on your next invoice as £%.02f plus £%.02f (IPT at %d%%). Total £%.02f. ', $premiumDelta, $iptDelta, $this->_params->connect->settings->rentRecoveryPlus->iptPercent, $quoteDelta);
}
}
}
// Show premium and ask for confirmation
$this->renderTwigView('/rentguarantee/rent-recovery-plus-mta-quote.html.twig', array('policyNumber' => $policyNumber, 'paymentDetails' => $paymentDetails, 'mtaID' => $mtaID));
return;
}
}
}
if ($this->getRequest()->isXmlHttpRequest()) {
$this->_helper->viewRenderer->setNoRender(true);
$this->_helper->layout->disableLayout();
}
$this->renderTwigView('/rentguarantee/rent-recovery-plus-mta.html.twig', array('form' => $form->createView(), 'nilExcessAllowed' => $isNilExcessAllowed));
return;
}
$this->renderTwigView('/rentguarantee/rent-recovery-plus-error.html.twig');
}
/**
* @inheritdoc
*/
public function accept($policyNumber, $mtaId)
{
/** @var \RRP\Application\Decorators\RentRecoveryPlusPolicy $policy */
$policy = ApplicationDecoratorFactory::getDecorator('RentRecoveryPlusPolicy');
$policy->populateByPolicyNumber($policyNumber);
$this->legacyMtaData = $this->legacyMta->getByMtaID($mtaId);
$this->rrpMtaData = $this->rrpMta->getRentRecoveryPlusMta($mtaId);
$proRataPremium = $policy->getAppData()->getPremium() + $this->legacyMtaData->getPremium();
$proRataQuote = $policy->getAppData()->getQuote() + $this->legacyMtaData->getQuote();
$proRataIpt = $policy->getAppData()->getIpt() + $this->legacyMtaData->getIpt();
$propertyRental = PolicyOptionsManager::getOption($this->legacyMtaData->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp'), $this->legacyMtaData->getAmountscovered());
$isNilExcess = PolicyOptionsManager::isOptionSet($this->legacyMtaData->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $this->legacyMtaData->getAmountscovered());
$policyPremium = PolicyOptionsManager::getOption($policy->getAppData()->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp'), $policy->getAppData()->getOptionPremiums());
$mtaPremium = PolicyOptionsManager::getOption($this->legacyMtaData->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp'), $this->legacyMtaData->getOptionPremiums());
$optionPremiums = PolicyOptionsManager::addPolicyOption($policyPremium + $mtaPremium);
if ($isNilExcess) {
$policyNilExcessOption = PolicyOptionsManager::getOption($policy->getAppData()->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $policy->getAppData()->getOptionPremiums());
$mtaNilExcessOption = PolicyOptionsManager::getOption($this->legacyMtaData->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $this->legacyMtaData->getOptionPremiums());
$optionPremiums = PolicyOptionsManager::addPolicyOption($policyNilExcessOption + $mtaNilExcessOption, $optionPremiums);
}
$policy->getAppData()->setPolicyOptions($this->legacyMtaData->getPolicyOptions())->setAmountsCovered($this->legacyMtaData->getAmountscovered())->setOptionPremiums($optionPremiums)->setPremium($proRataPremium)->setQuote($proRataQuote)->setIpt($proRataIpt);
$policy->getRrpData()->setClaimInfo($this->rrpMtaData->getClaimInfo());
$disbData = $this->disbursement->getDisbursement($policy->getAppData()->getWhiteLabelID(), $policy->getAppData()->getRateSetID());
if (!$disbData) {
$message = sprintf('Disbursement data not found (WhiteLabelId = %s, RateSetID = %d)', $policy->getAppData()->getWhiteLabelID(), $policy->getAppData()->getRateSetID());
throw new \RuntimeException($message);
}
$getter = sprintf('getRrpi%s%dm', ReferenceTypes::isFullReference($policy->getRrpData()->getReferenceType()) ? 'FullRef' : 'CreditCheck', $policy->getAppData()->getPolicyLength());
if ($isNilExcess) {
$getter .= '0xs';
}
if (!method_exists($disbData, $getter)) {
$message = sprintf('Unknown disbursement type (%s)', $getter);
throw new \RuntimeException($message);
}
$disbursement = $disbData->{$getter}();
if (empty($disbursement)) {
$message = sprintf('Disbursement data not set (WhiteLabelId = %s, RateSetID = %d, %s)', $policy->getAppData()->getWhiteLabelID(), $policy->getAppData()->getRateSetID(), $getter);
throw new \RuntimeException($message);
}
$termData = $this->policyTerm->getPolicyTerm($policy->getAppData()->getPolicyNumber(), $policy->getAppData()->getStartDate());
if (!$termData->id) {
throw new \RuntimeException('Invalid Term Id');
}
if ($propertyRental < RentRecoveryPlus::BAND_A_LIMIT) {
$band = $disbData::BAND_A;
$transBand = RentRecoveryPlus::BAND_A;
} else {
$band = $disbData::BAND_B;
$transBand = RentRecoveryPlus::BAND_B;
}
$insuranceNetAmount = $disbData->extractBandDisbursement($disbursement, $band);
$proRataCalcs = new ProRataCalculations($policy->getAppData()->getStartDate(), $this->legacyMtaData->getDateOnRisk());
$netPremium = $proRataCalcs->getProRata($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $insuranceNetAmount, $termData->netPremium);
$this->policyTerm->updatePolicyTerm($policy->getAppData(), $termData->term, array('netPremium' => $netPremium));
$this->policyNotes->addNote($policyNumber, $this->legacyMtaData->getDisplayNotes());
if ($policy->save()) {
if ($this->legacyMta->updateStatus($policyNumber, $mtaId, $this->mtaStatusLive)) {
$coverOptions = array();
foreach ($policy->getAppData()->getValidPolicyOptionNames() as $optionName) {
if (PolicyOptionsManager::isOptionSet($policy->getAppData()->getPolicyOptions(), $optionName, $policy->getAppData()->getAmountsCovered())) {
$optionId = $this->policyOptions->fetchOptionsByName($optionName);
$sumInsured = PolicyOptionsManager::getOption($policy->getAppData()->getPolicyOptions(), $optionName, $policy->getAppData()->getAmountsCovered());
$premium = PolicyOptionsManager::getOption($policy->getAppData()->getPolicyOptions(), $optionName, $policy->getAppData()->getOptionPremiums());
$coverOptions[] = array('policyNumber' => $policyNumber, 'policyOptionID' => $optionId, 'sumInsured' => $sumInsured, 'premium' => $premium);
}
}
$this->policyCover->setCover($policyNumber, $coverOptions);
if ($this->legacyMtaData->getPremium() == 0) {
//If no premium change there's no need to store anything in the transaction
return true;
}
$transaction = TransactionDecoratorFactory::getDecorator(TransactionDecoratorFactory::TRANSACTION_UPDATE, $policy->getAppData()->getPremium(), $insuranceNetAmount, $termData->id, $mtaId, $transBand, $this->legacyMtaData->getDateOnRisk(), $policy->getAppData());
$transaction->processAllTransactions();
return true;
}
}
return false;
}
/**
* Accept the quote and change it to a policy
*
* @param string $quoteNumber
* @return null|string
* @throws \RuntimeException
*/
public function acceptQuote($quoteNumber)
{
/** @var \Manager_Core_PolicyNumber $policyNumberManager */
$policyNumberManager = $this->getContainer()->get('rrp.legacy.manager.policy_number');
if ($policyNumberManager->isRentRecoveryPlusQuote($quoteNumber)) {
$this->isNewApplication = false;
$policyNumber = $policyNumberManager::convertQuoteToPolicyNumber($quoteNumber);
if ($this->populateByPolicyNumber($quoteNumber)) {
//Set the issueDate and timecompleted fields (which oddly record the same value but
// in different formats).
$timeCompleted = time();
$issueDate = new \DateTime();
$issueDate->setTimestamp($timeCompleted);
$this->setPolicyNumber($policyNumber)->appData->setStatus($this->getContainer()->get('rrp.legacy.const.status_policy'))->setPayStatus($this->getContainer()->get('rrp.legacy.const.pay_status_up-to-date'))->setIssueDate($issueDate)->setTimeCompleted($timeCompleted);
$disbData = $this->disbursement->getDisbursement($this->appData->getWhiteLabelID(), $this->appData->getRateSetID());
if (!$disbData) {
$message = sprintf('Disbursement data not found (WhiteLabelId = %s, RateSetID = %d)', $this->appData->getWhiteLabelID(), $this->appData->getRateSetID());
throw new \RuntimeException($message);
}
$getter = sprintf('getRrpi%s%dm', ReferenceTypes::isFullReference($this->rrpData->getReferenceType()) ? 'FullRef' : 'CreditCheck', $this->appData->getPolicyLength());
if (PolicyOptionsManager::isOptionSet($this->appData->getPolicyOptions(), $this->container->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $this->appData->getAmountsCovered())) {
$getter .= '0xs';
}
if (!method_exists($disbData, $getter)) {
$message = sprintf('Unknown disbursement type (%s)', $getter);
throw new \RuntimeException($message);
}
$disbursement = $disbData->{$getter}();
if (empty($disbursement)) {
$message = sprintf('Disbursement data not set (WhiteLabelId = %s, RateSetID = %d, %s)', $this->appData->getWhiteLabelID(), $this->appData->getRateSetID(), $getter);
throw new \RuntimeException($message);
}
$propertyRental = PolicyOptionsManager::getOption($this->appData->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp'), $this->appData->getAmountscovered());
if ($propertyRental < RentRecoveryPlus::BAND_A_LIMIT) {
$band = $disbData::BAND_A;
$transBand = RentRecoveryPlus::BAND_A;
} else {
$band = $disbData::BAND_B;
$transBand = RentRecoveryPlus::BAND_B;
}
$insuranceNetAmount = $disbData->extractBandDisbursement($disbursement, $band);
$termId = $this->policyTerm->insertPolicyTerm($this->appData, $insuranceNetAmount);
if ($termId) {
$policy = $this->container->get('rrp.legacy.datasource.policy');
if ($policy->save($this->appData)) {
//Delete the legacy quote.
$policyConstType = $this->container->get('rrp.legacy.const.quote_policy_number');
$this->application->remove(array($policyConstType => $quoteNumber));
// Now move the RRP / LL Interest parts
if ($this->rrp->accept($quoteNumber, $policyNumber)) {
if ($this->rrpTenantReference->accept($quoteNumber, $policyNumber, $termId)) {
if ($this->llInterest->accept($quoteNumber, $policyNumber)) {
$this->policyNotes->changeQuoteToPolicy($quoteNumber, $policyNumber);
$transaction = TransactionDecoratorFactory::getDecorator(TransactionDecoratorFactory::TRANSACTION_ADD, $this->getAppData()->getPremium(), $insuranceNetAmount, $termId, 0, $transBand, $this->appData->getStartDate(), $this->appData);
$transaction->processAllTransactions();
$underwriting = UnderwritingDecoratorFactory::getDecorator(UnderwritingDecoratorFactory::UNDERWRITING_RENT_RECOVERY_PLUS, $this->container->get('rrp.config.underwriting_question_set_id'), $this->appData->getIssueDate(), $quoteNumber);
$underwriting->changeQuoteToPolicy();
/** @var \Datasource_Insurance_Policy_Cover $policyCover */
$policyCover = $this->container->get('rrp.legacy.datasource.policy_cover');
$policyCover->changeQuoteToPolicy($quoteNumber, $policyNumber);
return $policyNumber;
}
}
}
}
}
}
}
return null;
}
/**
* Decline a rent guarantee policy renewal by populating the declined renewal table
* and recording the reasons for non-renewal.
*
* @param string $policynumber Policy number
* @param string $reason Reason label for non renewal
* @param string $why Option reason why renewal was not performed
* @param string $name Name of individual who declined the renewal
* @param string $from Source of change
* @return void
*/
public function declinePolicyRenewal($policynumber, $reason, $why, $name, $from)
{
// Record the response reason
$questionid = $this->_declinerenewalquestionsModel->getQuestionId($reason);
$this->_declinerenewalresponsesModel->addResponse($policynumber, $questionid, $reason, $why);
// add the policy to the black list table
$this->_declinerenewalModel->declinePolicyRenewal($policynumber);
// Add note to policy numbers
$date = date("Y-m-d h:i:s a");
$note = $name . " selected not to renew Rent Guarantee on {$from} {$date}. Reason stated: {$reason}.\n\n";
$policynotesmodel = new Datasource_Insurance_PolicyNotes();
$policynotesmodel->addNote($policynumber, $note);
}
/**
* Dispatched each time the listener is triggered.
*
* @param ReferredEvent $event
*/
public function onReferral(ReferredEvent $event)
{
$referral = $event->getReferral();
$note = sprintf("This policy has been referred for the following reason(s)\n\n%s", implode("\n", $referral->getAllReferralReasons()));
$this->policyNote->addNote($referral->getPolicyNumber(), $note);
}
