/**
* Sets the cover levels
*
* @param float $sumInsured
* @param bool $isNilExcess
* @param string $referenceType
* @param int $policyLength
* @param bool $isPayMonthly
* @param bool $isRentInAdvance
* @return $this
* @throws \RRP\Rate\Exception\BandAExceededException
* @throws \RRP\Rate\Exception\BandBExceededException
* @throws \RRP\Rate\Exception\UnhandledPolicyOptionsException
* @throws \RRP\Rate\Exception\NilExcessNotAllowedException
*/
public function setCoverAmounts($sumInsured, $isNilExcess, $referenceType, $policyLength, $isPayMonthly, $isRentInAdvance = false)
{
$this->isFullReference = ReferenceTypes::isFullReference($referenceType);
if ($sumInsured > self::BAND_B_LIMIT) {
throw new BandBExceededException();
} else {
if ($sumInsured > self::BAND_A_LIMIT) {
if ($this->isFullReference) {
$this->band = self::BAND_B;
} else {
throw new BandAExceededException();
}
} else {
$this->band = self::BAND_A;
}
}
if (!$this->isFullReference && $this->band != self::BAND_A) {
throw new NilExcessNotAllowedException();
} else {
$this->isNilExcess = $isNilExcess;
}
if ($this->isFullReference) {
if (!isset($this->fullReferenceRates[$policyLength][$isNilExcess][$this->band])) {
$error = sprintf('PolicyLength:%d isNilExcess:%d Band:%d', $policyLength, $isNilExcess, $this->band);
throw new UnhandledPolicyOptionsException($error);
}
} else {
if (!isset($this->creditCheckRates[$policyLength])) {
$error = sprintf('PolicyLength:%d', $policyLength);
throw new UnhandledPolicyOptionsException($error);
}
}
$this->policyLength = $policyLength;
$this->isPayMonthly = $isPayMonthly;
$this->isRentInAdvance = $isRentInAdvance;
$this->calculatePremium();
return $this;
}
/**
* Sets the defaults for a new quote
*
* @param string $policyNumber
* @param string $referenceType
* @param bool $isContinuationOfExistingPolicy
* @param string $propertyLetType
* @param float $propertyDeposit
* @param string $status
* @return $this
*/
public function setDefaults($policyNumber, $referenceType, $isContinuationOfExistingPolicy, $propertyLetType, $propertyDeposit, $status)
{
$this->setPolicyNumber($policyNumber)->getAppData()->setPolicyName('rentrecoveryp')->setIssueDate(date('d-m-Y'))->setCancelledDate('00-00-0000')->setPayStatus('')->setPayMethod('CreditAccount')->setPaidNet('no')->setPolicyType('A')->setStatus($status)->setDateOfLastPayment('')->setTimeCompleted('')->setWhiteLabelID('HL')->setOrigin(0)->setExcessID(0)->setStartTime('00:00:00');
if (!ReferenceTypes::isProviderRequired($referenceType)) {
$this->getRrpData()->setOtherProvider('');
} else {
$this->clearAllRrpTenantReferences();
}
if ($isContinuationOfExistingPolicy) {
$this->getRrpData()->setIsExistingPolicyToBeCancelled(false);
}
if (!PropertyLetTypes::isLandlordPermissionRequired($propertyLetType)) {
$this->getRrpData()->setHasLandlordPermission(false);
}
if ($propertyDeposit > 0.0) {
$this->getRrpData()->setHasNilDepositInsurance(false);
}
return $this;
}
/**
* Renew a policy from the 'temporary' insight_rrp_policy to the policy table
*
* @param string $rrpPolicyNumber
* @param string $newPolicyNumber
* @param string $termNumber
* @return bool
* @throws \RuntimeException
*/
public function migratePolicy($rrpPolicyNumber, $newPolicyNumber, $termNumber)
{
if ($this->policyNumberManager->isRentRecoveryPlusInsightPolicy($rrpPolicyNumber)) {
$this->setPolicyNumber($newPolicyNumber);
$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;
} else {
$band = $disbData::BAND_B;
}
$insuranceNetAmount = $disbData->extractBandDisbursement($disbursement, $band);
// Policy Term
$termId = $this->policyTerm->updatePolicyTerm($this->appData, $termNumber, array('netPremium' => $insuranceNetAmount, 'collectedPremium' => $this->appData->premium));
if ($termId) {
// Write the policy to the datasource
$this->getAppData()->setStatus($this->container->get('rrp.legacy.const.status_policy'))->setTermId($termId);
$legacyPolicy = $this->container->get('rrp.legacy.datasource.policy');
$legacyPolicy->save($this->appData);
// Delete the legacy insight record.
$policyConstType = $this->container->get('rrp.legacy.const.quote_policy_number');
$this->application->remove(array($policyConstType => $rrpPolicyNumber));
$insightStatusIas = $this->container->get('rrp.legacy.const.insight_status_ias');
// Now move the RRP / LL Interest parts
if ($this->rrp->accept($rrpPolicyNumber, $newPolicyNumber, $insightStatusIas)) {
if ($this->llInterest->accept($rrpPolicyNumber, $newPolicyNumber)) {
/** @var RentRecoveryPlusAnswers $underwriting */
$underwriting = UnderwritingDecoratorFactory::getDecorator(UnderwritingDecoratorFactory::UNDERWRITING_RENT_RECOVERY_PLUS, $this->container->get('rrp.config.underwriting_question_set_id'), $this->appData->getIssueDate(), $rrpPolicyNumber);
$answers = $underwriting->getAllAnswers();
$answers[RentRecoveryPlusAnswers::QUESTION_ID_RENT_IN_ADVANCE] = true;
$answers[RentRecoveryPlusAnswers::QUESTION_ID_PRIOR_CLAIMS] = false;
$answers[RentRecoveryPlusAnswers::QUESTION_ID_DEPOSIT_SUFFICIENT] = true;
$underwriting->setAnswers($answers)->saveAnswers()->changeQuoteToPolicy($newPolicyNumber);
$coverOptions = array();
foreach ($this->appData->getValidPolicyOptionNames() as $optionName) {
if (PolicyOptionsManager::isOptionSet($this->appData->getPolicyOptions(), $optionName, $this->appData->getAmountsCovered())) {
$optionId = $this->policyOptions->fetchOptionsByName($optionName);
$sumInsured = PolicyOptionsManager::getOption($this->appData->getPolicyOptions(), $optionName, $this->appData->getAmountsCovered());
$premium = PolicyOptionsManager::getOption($this->appData->getPolicyOptions(), $optionName, $this->appData->getOptionPremiums());
$coverOptions[] = array('policyNumber' => $newPolicyNumber, 'policyOptionID' => $optionId, 'sumInsured' => $sumInsured, 'premium' => $premium);
}
}
$this->policyCover->setCover($newPolicyNumber, $coverOptions);
return $newPolicyNumber;
}
}
}
}
return false;
}
/**
* Gets an array of referral reasons
*
* @return array
*/
public function getReferralReason()
{
$reasons = array();
if ($this->hasPossibleClaimCircumstances) {
$reasons[] = 'There are circumstances that may give rise to a claim as follows:';
$reasons[] = ' ' . $this->claimInfo;
}
if (!$this->hasPermittedOccupiersOnly) {
$reasons[] = 'The property has does not have only permitted occupiers.';
}
if ($this->hasTenancyDisputes) {
$reasons[] = 'There are tenancy disputes or late payment of rent issues.';
}
if ($this->hasPriorClaims) {
$reasons[] = 'There have been claims logged during the existing tenancy.';
}
if (!$this->isDepositSufficient) {
$reasons[] = 'A deposit with a sum equivalent to (or greater than) 1 months rent was not taken prior to the commencement of the tenancy.';
}
if ($this->propertyRental > RentRecoveryPlus::BAND_B_LIMIT) {
$reasons .= 'There monthly rental exceeds the upper limit of £' . RentRecoveryPlus::BAND_B_LIMIT;
}
if ($this->propertyDeposit <= 0.0 && (self::SOURCE_APPLICATION == $this->source || self::SOURCE_RENT_RECOVERY_PLUS == $this->source)) {
$reasons[] = 'No deposit has been paid.';
}
if (!$this->hasPaidRentInAdvance && (self::SOURCE_APPLICATION == $this->source || self::SOURCE_RENT_RECOVERY_PLUS == $this->source)) {
$reasons[] = 'No rent has been paid in advance.';
}
if (!$this->isAssuredShortholdTenancy) {
$reasons[] = 'There is not a Assured Shorthold Tenancy agreement.';
}
if (!$this->hasProviderBeenChecked && ReferenceTypes::isProviderRequired($this->referenceType) && (self::SOURCE_APPLICATION == $this->source || self::SOURCE_RENT_RECOVERY_PLUS == $this->source)) {
if ($this->otherProvider == '') {
$reasons[] = 'The reference was provided by another provider';
} else {
$reasons[] = 'The reference was provided by ' . $this->otherProvider;
}
}
if ($this->isContinuationOfExistingPolicy && (self::SOURCE_APPLICATION == $this->source || self::SOURCE_RENT_RECOVERY_PLUS == $this->source)) {
$reasons[] .= 'This is the continuation of existing policy ' . $this->existingPolicyRef . '. As such the no claims period is waived so we need to consider if it is acceptable' . ' and to ensure the relevant endorsement is applied if it is agreed.';
}
$now = new \DateTime();
$now->setTime(0, 0, 0);
if ($this->policyStartAt < $now) {
$reasons[] .= 'The policy start date has already passed.';
}
if (count($reasons) == 0) {
$reasons[] = 'The premium calculation failed';
}
return $reasons;
}
/**
* @inheritdoc
*/
public function accept($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;
}
/**
* Validation function for optional constraints
*
* @param RentRecoveryPlusMta $mta
* @param ExecutionContextInterface $context
*/
public function checkRateBandLimits($mta, ExecutionContextInterface $context)
{
if (ReferenceTypes::isOnlyAllowBandA($mta->getReferenceType()) && $mta->getPropertyRental() > RentRecoveryPlus::BAND_A_LIMIT) {
$context->addViolationAt('propertyRental', 'Monthly rental amount cannot be greater than £' . RentRecoveryPlus::BAND_A_LIMIT, array(), null);
} else {
if ($mta->getPropertyRental() > RentRecoveryPlus::BAND_B_LIMIT) {
$context->addViolationAt('propertyRental', 'Monthly rental amount cannot be greater than £' . RentRecoveryPlus::BAND_B_LIMIT, array(), null);
}
}
}
/**
* 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;
}
