/**
* Identifies if the underwriting questions have been correctly answered.
*
* @param string $policyNumber
* The unique, full quote/policy number.
*
* @todo
* Not yet complete.
*/
protected function _checkAnswers($policyNumber)
{
$referralReasons = array();
$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();
//All other questions should be processed here.
if ($expectedAnswer == Model_Insurance_Answer::YES || $expectedAnswer == Model_Insurance_Answer::NO) {
if ($answerGiven != $expectedAnswer) {
$referralReasons[] = $params->uw->rr->portfolio->answer;
}
}
}
//Return the results consistent with this method's contract.
if (empty($referralReasons)) {
$returnVal = null;
} else {
$returnVal = $referralReasons;
}
return $returnVal;
}
/**
* Helper function to populate the zend form elements with database data
*
* @param Zend_Form $pageForm form definition for this step
* @param int $stepNum current step number
*
* @return void
*/
private function _formStepCommonPopulate($pageForm, $stepNum)
{
$this->view->stepNum = $stepNum;
$this->view->stepMax = $this->_stepMax;
// Check to see if the user is trying to skip ahead in the quote
$pageSession = new Zend_Session_Namespace('landlords_insurance_quote');
$tooFarAhead = false;
if ((!isset($pageSession->completed) || is_null($pageSession->completed)) && $stepNum != 1) {
$tooFarAhead = true;
$lastCompleted = 1;
} elseif ($stepNum > 1) {
// Check to see if any pages previous to the one the user's trying to get to are incomplete
$tooFarAhead = false;
for ($i = 1; $i < $stepNum; $i++) {
if (!isset($pageSession->completed[$i]) || !$pageSession->completed[$i]) {
$tooFarAhead = true;
$lastCompleted = $i;
break;
}
}
}
if ($tooFarAhead) {
// Drop user onto page that needs completing
$this->_helper->redirector->gotoUrl('/landlords/insurance-quote/step' . $lastCompleted);
return false;
}
if ($stepNum > 1) {
// Before we do ANYTHING we need to check to see if the email address entered matches a customer record
// we already have - if it does we need to ask them to login before they proceed.
$customerReferenceNumber = $this->_customerReferenceNumber;
$customerManager = new Manager_Core_Customer();
$legacyCustomer = $customerManager->getCustomer(Model_Core_Customer::LEGACY_IDENTIFIER, $customerReferenceNumber);
$emailAddress = $legacyCustomer->getEmailAddress();
$customer = $customerManager->getCustomerByEmailAddress($emailAddress);
if ($customer) {
// There is already a customer entry for this email address - so we need to see if they are logged in
// if not we need to force them to login
$auth = Zend_Auth::getInstance();
$auth->setStorage(new Zend_Auth_Storage_Session('homelet_customer'));
if ($auth->hasIdentity()) {
$loggedInEmail = $auth->getStorage()->read()->email_address;
if ($loggedInEmail != $customer->getEmailAddress()) {
// They are logged in but not who they should be to do this quote
$this->_helper->redirector->gotoUrl('/account/login?refer=landlords-insurance&step=' . $stepNum);
return false;
}
} else {
// TODO: Check that removing the login redirection will not break other processes
// They aren't logged in and need to
/*$this->_helper->redirector->gotoUrl('/account/login?refer=landlords-insurance&step='. $stepNum);
return false;*/
}
}
}
$formData = array();
// If step 1 and not in session (so producing a quick quote) - we need to pre-populate
// a few bits if the customer is already logged into the site
if ($stepNum == 1 && !isset($pageSession->CustomerRefNo)) {
$auth = Zend_Auth::getInstance();
$auth->setStorage(new Zend_Auth_Storage_Session('homelet_customer'));
if ($auth->hasIdentity()) {
// Customer is logged in and starting a new quote - so we need to pre-populate the customers details from stored details
$customerID = $auth->getStorage()->read()->id;
$customerManager = new Manager_Core_Customer();
$customer = $customerManager->getCustomer(Model_Core_Customer::IDENTIFIER, $customerID);
$formData['title'] = $customer->getTitle();
$formData['first_name'] = $customer->getFirstName();
$formData['last_name'] = $customer->getLastName();
$formData['phone_number'] = $customer->getTelephone(Model_Core_Customer::TELEPHONE1);
$formData['mobile_number'] = $customer->getTelephone(Model_Core_Customer::TELEPHONE2);
$formData['email_address'] = $customer->getEmailAddress();
$formData['date_of_birth_at'] = $customer->getDateOfBirthAt();
$pageForm->populate($formData);
}
}
if (isset($this->_quoteID) && $this->_quoteID > 0) {
$quoteManager = new Manager_Insurance_LandlordsPlus_Quote($this->_quoteID);
$premiums = $quoteManager->calculatePremiums();
if ($premiums != '') {
$this->view->premiums = array('annual' => $premiums['totalGrossAnnualPremium'] + $premiums['totalGrossAnnualIPT'], 'monthly' => $premiums['totalGrossMonthlyPremium'] + $premiums['totalGrossMonthlyIPT']);
$this->view->premiumsFull = $premiums;
}
$fees = $quoteManager->getFees();
$this->view->fees = $fees;
switch ($stepNum) {
case 1:
$customerManager = new Manager_Core_Customer();
$customer = $customerManager->getCustomer(Model_Core_Customer::LEGACY_IDENTIFIER, $quoteManager->getLegacyCustomerReference());
// Populate the customer details
$titleOptions = LandlordsInsuranceQuote_Form_Subforms_PersonalDetails::$titles;
if (in_array($customer->getTitle(), $titleOptions)) {
$formData['title'] = $customer->getTitle();
} else {
$formData['title'] = "Other";
$formData['other_title'] = $customer->getTitle();
}
$formData['first_name'] = $customer->getFirstName();
$formData['last_name'] = $customer->getLastName();
$formData['phone_number'] = $customer->getTelephone(Model_Core_Customer::TELEPHONE1);
$formData['mobile_number'] = $customer->getTelephone(Model_Core_Customer::TELEPHONE2);
$formData['email_address'] = $customer->getEmailAddress();
$dob = $customer->getDateOfBirthAt();
if (null != $dob && '0000-00-00' != $dob) {
$formData['date_of_birth_at'] = Application_Core_Utilities::mysqlDateToUk($dob);
}
// Populate the correspondence address details
$formData['cor_address_line1'] = $customer->getAddressLine(Model_Core_Customer::ADDRESSLINE1);
$formData['cor_address_line2'] = $customer->getAddressLine(Model_Core_Customer::ADDRESSLINE2);
$formData['cor_address_line3'] = $customer->getAddressLine(Model_Core_Customer::ADDRESSLINE3);
$formData['cor_address_postcode'] = $customer->getPostcode();
$formData['country'] = $customer->getCountry();
// Populate the insured property address details
$properties = $quoteManager->getProperties();
if (count($properties) > 0) {
$formData['ins_address_line1'] = $properties[0]['line_1'];
$formData['ins_address_line2'] = $properties[0]['line_2'];
$formData['ins_address_line3'] = $properties[0]['town'];
$formData['ins_address_postcode'] = $properties[0]['postcode'];
$formData['owned_for'] = $properties[0]['ownership_length_id'];
$formData['no_claims'] = $properties[0]['no_claims_years_id'];
$formData['tenants_type'] = $properties[0]['tenant_type_id'];
$formData['have_letting_agent'] = $quoteManager->getAgentSchemeNumber() != Manager_Core_Agent::filterAsn($quoteManager->getAgentSchemeNumber()) ? 'yes' : 'no';
$formData['through_letting_agent'] = $properties[0]['letting_agent_managed'] ? 'yes' : 'no';
// Check to see if this postcode is in a flood risk area - if it is then populate the exclude flood cover data
// Populating this will also cause the question to be shown on the front end
$landlordsRiskAreas = new Datasource_Insurance_LandlordsPlus_RiskAreas();
$riskAreas = $landlordsRiskAreas->getByPostcode($properties[0]['postcode']);
if ($riskAreas['floodArea'] == '600') {
$formData['exclude_flood_cover'] = $properties[0]['exclude_flood_cover'] ? 'no' : 'yes';
// Backwards true/false stuff - I'm sooo sorry :(
}
}
// Populate agent details if one has been chosen
$agentSchemeNumber = Manager_Core_Agent::filterAsn($quoteManager->getAgentSchemeNumber());
$defaultASN = $this->_params->homelet->defaultAgent;
if ($formData['have_letting_agent'] == 'yes') {
$agents = new Datasource_Core_Agents();
$agent = $agents->getAgent($agentSchemeNumber);
$formData['letting_agent_name'] = $agent->name;
$formData['letting_agent_town'] = $agent->town;
$formData['letting_agent_asn'] = $agent->agentSchemeNumber;
// Fix for Redmine Ref. #10511:
$agentDropdown = $pageForm->subform_lettingagent->letting_agent;
$agentDropdown->setMultiOptions(array($agent->agentSchemeNumber => $agent->name . ', ' . $agent->town));
$formData['letting_agent'] = $agent->agentSchemeNumber;
}
// Load the policy start date
$startDate = $quoteManager->getStartDate();
if ($startDate != '' && $startDate != '0000-00-00') {
$formData['policy_start'] = substr($startDate, 8, 2) . '/' . substr($startDate, 5, 2) . '/' . substr($startDate, 0, 4);
}
// If step1 has been marked complete - we can assume they said yes to the IDD question
$pageSession = new Zend_Session_Namespace('landlords_insurance_quote');
if (isset($pageSession->completed[$stepNum]) && $pageSession->completed[$stepNum] == true) {
$formData['idd'] = true;
}
// Data Protection section
$customerReferenceNumber = $customer->getIdentifier(Model_Core_Customer::LEGACY_IDENTIFIER);
$dpaManager = new Manager_Core_DataProtection();
$dpaItems = $dpaManager->getItems($customerReferenceNumber, Model_Core_DataProtection_ItemEntityTypes::INSURANCE);
foreach ($dpaItems as $currentItem) {
switch ($currentItem->constraintTypeId) {
case Model_Core_DataProtection_ItemConstraintTypes::MARKETING_BY_PHONEANDPOST:
if ($currentItem->isAllowed) {
$formData['dpa_phone_post'] = 0;
} else {
$formData['dpa_phone_post'] = 1;
}
break;
case Model_Core_DataProtection_ItemConstraintTypes::MARKETING_BY_SMSANDEMAIL:
if ($currentItem->isAllowed) {
$formData['dpa_sms_email'] = 0;
// For Redmine Ref #8003, "Updated marketing preference questions on online quotes"
} else {
$formData['dpa_sms_email'] = 1;
// For Redmine Ref #8003, "Updated marketing preference questions on online quotes"
}
break;
case Model_Core_DataProtection_ItemConstraintTypes::MARKETING_BY_THIRDPARTY:
if ($currentItem->isAllowed) {
$formData['dpa_resale'] = 1;
} else {
$formData['dpa_resale'] = 0;
}
break;
}
}
case 2:
// If step2 has been marked complete - we can assume they said no to the questions unless
// they've been set in the quote manager
if (isset($pageSession->completed[$stepNum]) && $pageSession->completed[$stepNum] == true) {
$formData['need_building_insurance'] = 'no';
$formData['need_contents_insurance'] = 'no';
}
if ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::BUILDING_COVER)) {
$formData['need_building_insurance'] = 'yes';
$productMeta = $quoteManager->getProductMeta(Manager_Insurance_LandlordsPlus_Quote::BUILDING_COVER);
$formData['building_built'] = $productMeta['build_year'];
$formData['building_bedrooms'] = $productMeta['bedroom_quantity'];
$formData['building_type'] = $productMeta['building_type'];
$formData['building_insurance_excess'] = $productMeta['excess'];
$formData['building_accidental_damage'] = $productMeta['accidental_damage'];
$quote = $quoteManager->getModel();
if ((int) $productMeta['rebuild_value'] > 0) {
// There's a manually entered rebuild value - need to work out if it is because they
// chose £500k+ - or if it's because we don't have a dsi
$premiums = $quoteManager->calculatePremiums();
if ($premiums['calculatedDSIValue'] > 0) {
$formData['override_dsi'] = 1;
}
$formData['building_value'] = $productMeta['rebuild_value'];
}
}
if ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::CONTENTS_COVER) || $quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::UNFURNISHED_CONTENTS_COVER)) {
$formData['need_contents_insurance'] = 'yes';
if ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::CONTENTS_COVER)) {
$formData['property_furnished'] = 'yes';
$productMeta = $quoteManager->getProductMeta(Manager_Insurance_LandlordsPlus_Quote::CONTENTS_COVER);
$formData['contents_amount'] = $productMeta['cover_amount'];
$formData['contents_excess'] = $productMeta['excess'];
$formData['contents_accidental_damage'] = $productMeta['accidental_damage'];
} else {
$formData['property_furnished'] = 'no';
}
}
break;
case 3:
if (isset($pageSession->completed[$stepNum]) && $pageSession->completed[$stepNum] == true) {
$formData['need_emergency_assistance'] = 'no';
$formData['need_prestige_rent_guarantee'] = 'no';
$formData['need_legal_expenses'] = 'no';
$formData['need_boiler_heating'] = 'no';
}
// If we have contents/buildings cover then EAS is already included for free so we can hide the form
if ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::BUILDING_COVER) || $quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::CONTENTS_COVER)) {
// Change the subforms view script to one that just says it's already included for free
// yeah yeah.. this aint pretty :(
$emergencyAssistanceForm = $pageForm->getSubForm('subform_emergencyassistance');
$emergencyAssistanceForm->setDecorators(array(array('ViewScript', array('viewScript' => 'subforms/emergency-assistance-free.phtml'))));
if ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::BOILER_HEATING)) {
$formData['need_boiler_heating'] = 'yes';
}
} else {
// We can allow stand-alone EAS - so we hide the boiler and heating section
// yes... this is waaay too complex... I know :(
$pageForm->removeSubForm('subform_boilerheating');
if ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::EMERGENCY_ASSISTANCE)) {
$formData['need_emergency_assistance'] = 'yes';
}
}
if ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::RENT_GUARANTEE)) {
$formData['need_prestige_rent_guarantee'] = 'yes';
$productMeta = $quoteManager->getProductMeta(Manager_Insurance_LandlordsPlus_Quote::RENT_GUARANTEE);
$formData['rent_amount'] = $productMeta['monthly_rent'];
} elseif ($quoteManager->hasProduct(Manager_Insurance_LandlordsPlus_Quote::LEGAL_EXPENSES)) {
$formData['need_legal_expenses'] = 'yes';
}
break;
case 4:
if (isset($pageSession->completed[$stepNum]) && $pageSession->completed[$stepNum] == true) {
// Load underwriting answers from the database as they've already been answered
$answersManager = new Manager_Insurance_Answers();
$quote = $quoteManager->getModel();
$policyNumber = $quote->legacyID;
$customerReferenceNumber = $quote->legacyCustomerID;
$answers = $answersManager->getUnderwritingAnswers($policyNumber);
foreach ($answers as $answer) {
switch ($answer->getQuestionNumber()) {
case '53':
$formData['declaration1'] = $answer->getAnswer();
break;
case '54':
$formData['declaration2'] = $answer->getAnswer();
break;
case '55':
$formData['declaration2b'] = $answer->getAnswer();
break;
case '56':
$formData['declaration2c'] = $answer->getAnswer();
break;
case '57':
$formData['declaration2d'] = $answer->getAnswer();
break;
case '58':
$formData['declaration3'] = $answer->getAnswer();
break;
case '59':
$formData['declaration4'] = $answer->getAnswer();
break;
case '60':
$formData['declaration6'] = $answer->getAnswer();
break;
case '61':
$formData['declaration7'] = $answer->getAnswer();
break;
case '62':
$formData['declaration8'] = $answer->getAnswer();
break;
case '63':
$formData['declaration9'] = $answer->getAnswer();
break;
case '64':
$formData['declaration10'] = $answer->getAnswer();
break;
}
}
// Also need to see if they said yes or no to bank interest on the propery…
$bankInterestManager = new Manager_Insurance_LegacyBankInterest();
$bankInterestArray = $bankInterestManager->getAllInterests($policyNumber, $customerReferenceNumber);
$model = array();
if (!empty($bankInterestArray)) {
$formData['declaration11'] = 'yes';
} else {
$formData['declaration11'] = 'no';
}
// They must have agreed to the declaration or they wouldn't have been able to continue
$formData['declaration_confirmation'] = 'yes';
}
break;
case 5:
// Payment Selection section
if (isset($pageSession->paymentSelectionDetails) && is_array($pageSession->paymentSelectionDetails)) {
$formData = $pageSession->paymentSelectionDetails;
}
break;
}
}
$pageForm->populate($formData);
return true;
}
/**
* 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 $returnVal;
}
/**
* Implements abstract method from superclass - refer to superclass for description.
*/
public function getReferralReasons($policyNumber)
{
$referralReasons = array();
$params = Zend_Registry::get('params');
$quote = new Manager_Insurance_TenantsContentsPlus_Quote(null, null, $policyNumber);
if ($quote->getPolicyName() == 'tenantsp') {
//Test 1: If the cover is greater than the threshold, then refer.
$contentsAmount = $quote->getPolicyOptionAmountCovered('contentstp');
$contentsThreshold = new Zend_Currency(array('value' => $params->uw->rt->tenantsp->contents, 'precision' => 0));
if ($contentsAmount >= $contentsThreshold) {
$referralReasons[] = $params->uw->rr->tenantsp->cover;
}
//Test 2: If claim values are greater than 1000 then refer.
if (empty($this->_previousClaimsModel)) {
$this->_previousClaimsModel = new Datasource_Insurance_PreviousClaims();
}
$previousClaimsArray = $this->_previousClaimsModel->getPreviousClaims($quote->getRefno());
if (!empty($previousClaimsArray)) {
//Tenant has one or more claims. Add the totals together to see if they exceed
//the threshold.
$claimsTotal = new Zend_Currency(array('value' => 0, 'precision' => 2));
foreach ($previousClaimsArray as $previousClaim) {
$claimsTotal->add($previousClaim->getClaimValue());
}
//Test against the previous claims threshold
$claimsThreshold = new Zend_Currency(array('value' => $params->uw->rt->tenantsp->claimsThreshold, 'precision' => 2));
if ($claimsTotal->isMore($claimsThreshold)) {
$referralReasons[] = $params->uw->rr->tenantsp->previousClaims;
}
}
//Test 3: Answering the underwriting questions.
$answersManager = new Manager_Insurance_Answers();
$answersArray = $answersManager->getUnderwritingAnswers($policyNumber);
if (empty($answersArray)) {
//You can't process for referral if no underwriting answers have first been provided.
throw new Zend_Exception(get_class() . __FUNCTION__ . ": no underwriting answers provided.");
}
foreach ($answersArray as $currentAnswer) {
//Identify if the current answer is one that should be checked.
if (in_array($currentAnswer->getQuestionNumber(), $params->uw->rt->tenantsp->checkAnswer->toArray())) {
$answer = $currentAnswer->getAnswer();
if ($answer == Model_Insurance_Answer::YES) {
$referralReasons[] = $params->uw->rr->tenantsp->answer;
}
}
}
//Test 4: pedal cycles over 1500
$pedalCyclesModel = new Datasource_Insurance_Policy_Cycles($quote->getRefno(), $policyNumber);
$pedalCyclesArray = $pedalCyclesModel->listBikes();
if (!empty($pedalCyclesArray)) {
$pedalCycleThreshold = new Zend_Currency(array('value' => $params->uw->rt->tenantsp->pedalCycle, 'precision' => 2));
foreach ($pedalCyclesArray as $currentPedalCycle) {
//Compare the pedal cycle values in Zend_Currency format for simplity.
$currentCycleValue = new Zend_Currency(array('value' => $currentPedalCycle['value'], 'precision' => 2));
if ($currentCycleValue->isMore($pedalCycleThreshold)) {
$referralReasons[] = $params->uw->rr->tenantsp->pedalCycle;
}
}
}
//Test 5: specified possessions greater than threshold
$specPossessionsModel = new Datasource_Insurance_Policy_SpecPossessions($policyNumber);
$specPossessionsArray = $specPossessionsModel->listPossessions();
if (!empty($specPossessionsArray)) {
//Wrap the threshold parameter in a Zend_Currency object for easier comparisons.
$specPossessionThreshold = new Zend_Currency(array('value' => $params->uw->rt->tenantsp->specPossession, 'precision' => 2));
//Cycle through each specpossession...
foreach ($specPossessionsArray as $currentSpecPossession) {
//Wrap the current specpossession value in a Zend_Currency for easier comparision.
$currentSpecPossessionValue = new Zend_Currency(array('value' => $currentSpecPossession['value'], 'precision' => 2));
//Determine if the threshold is exceeded:
if ($currentSpecPossessionValue->isMore($specPossessionThreshold)) {
$referralReasons[] = $params->uw->rr->tenantsp->specPossession;
}
}
}
} else {
throw new Zend_Exception("Invalid product.");
}
return $referralReasons;
}