private function _doMail($data)
{
$pageSession = new Zend_Session_Namespace('portfolio_insurance_quote');
$customerRefNo = $pageSession->CustomerRefNo;
// Get Customer
$customerManager = new Manager_Insurance_Portfolio_LegacyCustomer();
$customerObject = new Model_Insurance_Portfolio_LegacyCustomer();
$customerObject = $customerManager->fetchByRefNo($customerRefNo);
// Get Properties
$propertyManager = new Manager_Insurance_Portfolio_Property();
$properties = array();
// Fetch all the properties related to this customer refNo
$properties = $propertyManager->fetchAllProperties($customerRefNo)->toArray();
$propertyHtml = $this->view->partialLoop('portfolio-insurance-quote/partials/email-templates/property-details.phtml', $properties);
// Fetch claims releted to this customer refNo
$claimsManager = new Manager_Insurance_Portfolio_PreviousClaims();
$claims = $claimsManager->fetchWithClaimTypes($customerRefNo);
$claimsHtml = $this->view->partialLoop('portfolio-insurance-quote/partials/email-templates/claims.phtml', $claims);
// Fetch bank interest related to this customer refNo
$bankInterestManager = new Manager_Insurance_Portfolio_BankInterest();
$bankInterest = $bankInterestManager->fetchAllInterests($customerRefNo);
$bankInterestHtml = $this->view->partialLoop('portfolio-insurance-quote/partials/email-templates/bank-interest.phtml', $bankInterest);
$uwManager = new Manager_Insurance_Portfolio_UnderwritingAnswers();
$uwAnswers = $uwManager->fetchByRefNo($customerRefNo);
// Merge the claim and Interest info into the UW template
$uwQuestionsHtml = $this->view->partial('portfolio-insurance-quote/partials/email-templates/uw-questions.phtml', array('claimsHtml' => $claimsHtml, 'bankInterestHtml' => $bankInterestHtml, 'uwAnswers' => $uwAnswers->toArray()));
// Merge all the html together
$mailBody = $this->view->partial('portfolio-insurance-quote/partials/email-templates/emailQuote.phtml', array('theData' => $data, 'theCustomer' => $customerObject->toArray(), 'propertyHtml' => $propertyHtml, 'uwQuestionsHtml' => $uwQuestionsHtml));
// Get some parameter stuffs
$params = Zend_Registry::get('params');
$emailArray = explode(",", $params->email->portfolioAdmin);
$toAddress = $emailArray[0];
$ccAddress = $emailArray[1];
$fromAddress = $params->email->noreply;
// Mail that bad boy
if (isset($data['referred'])) {
$referred = " - REFERRED";
}
$email = new Application_Core_Mail();
$email->setFrom($fromAddress, "PORTFOLIO NEW BUSINESS {$referred}");
$email->setTo($toAddress, "Underwriting");
$email->setCC($ccAddress);
$email->setSubject("Portfolio Website Query - ref: {$customerRefNo}");
$email->setBodyHtml($mailBody);
$email->send();
return;
}
public function quote($refNo)
{
$buildingAreaSum = array(0, 0, 0, 0, 0, 0, 0, 0);
$buildingAreaPremium = array(0, 0, 0, 0, 0, 0, 0, 0);
$contentsAreaSum = array(0, 0, 0, 0, 0, 0, 0);
$contentsAreaPremium = array(0, 0, 0, 0, 0, 0, 0);
$professionalprop = 0;
$total_sum_buildings = 0;
$total_sum_contents = 0;
$limited_contents_cost = 0;
$professionalRate = 0;
$buildingsAccidentalDamage = 0;
$buildingsNoExcess = 0;
$contentsAccidentalDamage = 0;
$contentsNoExcess = 0;
$limited_contents_cost = 0;
$bReferred = false;
$has_claims = 0;
$tenantnum = 0;
// Fetch some rates information
// Agents Rate ID
$agent = new Manager_Core_Agent();
# TODO: need to reove this schemenumber
$pageSession = new Zend_Session_Namespace('portfolio_insurance_quote');
$session = new Zend_Session_Namespace('homelet_global');
$this->_agentsRateID = $agent->getRatesetIDByASN($session->referrer);
$portfolioRates = new Datasource_Insurance_Portfolio_PortfolioRates();
$this->_rates = $this->_fetchRates();
$this->_factors = $this->_fetchFactors();
// Fetch some fees information
// Monthly admin fee
$propertyManager = new Manager_Insurance_Portfolio_Property();
$properties = array();
// Fetch all the properties related to this customer refNo
$properties = $propertyManager->fetchAllProperties($refNo)->toArray();
$tenantnum = count($properties);
if ($tenantnum < 2) {
header("location: /portfolio/insurance-quote/step2");
return;
}
$dsBuildingsRiskArea = new Datasource_Insurance_RiskAreas_Buildings();
$dsContentsRiskArea = new Datasource_Insurance_RiskAreas_LandlordsContents();
// Now iterate thru the properties
foreach ($properties as $property) {
// Calculate Buildings
$riskAreaB = $dsBuildingsRiskArea->getCurrentRate($property['postcode']);
$arrayNum = $riskAreaB - 1;
// array sets first location to 0
if ($riskAreaB >= 1 && $riskAreaB <= 7) {
if ($property['tenantOccupation'] != "DSS") {
$buildingAreaSum[$arrayNum] += $property['buildingsSumInsured'];
} else {
$buildingAreaSum[7] += $property['buildingsSumInsured'];
}
$total_sum_buildings += $property['buildingsSumInsured'];
}
if ($property['buildingsAccidentalDamage'] == "Yes" && $property['tenantOccupation'] != "DSS") {
$buildingsAccidentalDamage += $property['buildingsSumInsured'];
}
if ($property['buildingsNilExcess'] == "Yes" && $property['tenantOccupation'] != "DSS") {
$buildingsNoExcess += $property['buildingsSumInsured'];
}
// End Calculate Buildings
// Calculate Contents
if ($property['limitedContents'] != "Yes") {
// If Contents Insurance for Unfurnished Properties was not selected
$contentsRiskArea = $dsContentsRiskArea->getCurrentRate($property['postcode']);
$arrayNum = $contentsRiskArea - 1;
if ($contentsRiskArea >= 1 && $contentsRiskArea <= 5) {
if ($property['tenantOccupation'] != "DSS") {
$contentsAreaSum[$arrayNum] += $property['contentsSumInsured'];
} else {
$contentsAreaSum[5] += $property['contentsSumInsured'];
}
$total_sum_contents += $property['contentsSumInsured'];
}
if ($property['contentsAccidentalDamage'] == "Yes" && $property['tenantOccupation'] != "DSS") {
$contentsAccidentalDamage += $property['contentsSumInsured'];
}
if ($property['contentsNilExcess'] == "Yes" && $property['tenantOccupation'] != "DSS") {
$contentsNoExcess += $property['contentsSumInsured'];
}
} else {
// calculate the cost of limited contents
$limited_contents_cost += $this->_rates['limited_contents_price'];
}
// Count Professional Tenants
switch ($property['tenantOccupation']) {
case "Employed":
case "Retired":
case "Self Employed":
$professionalprop++;
break;
case "DSS":
// If the occupier is classified as DSS and the user has opted for contents insurance
// then the referral display should be shown instead of the calculated premium
$tenantnum = $tenantnum == 1 ? 1 : $tenantnum--;
if ($limited_contents_cost > 0 || $total_sum_contents > 0) {
$bReferred = true;
}
break;
default:
//$bReferred = true; // non-proffessional tenants no longer need referring
break;
}
}
// Calculate Premiums
/* buildings premiums ---------------------------------- */
$buildings_premium = 0;
for ($i = 0; $i <= 7; $i++) {
$buildingAreaPremium[$i] = $buildingAreaSum[$i] / 100 * $this->_rates['buildingNet'][$i];
$buildings_premium += $buildingAreaPremium[$i];
}
$buildingsAD_premium = $buildingsAccidentalDamage == "" ? 0 : $buildingsAccidentalDamage / 100 * $this->_rates['buildingsAD_multiplyer'];
$buildingsNE_premium = $buildingsNoExcess == "" ? 0 : $buildingsNoExcess / 100 * $this->_rates['buildingsNE_multiplyer'];
$buildingsEX_premium = $buildingsAD_premium + $buildingsNE_premium;
$premium = $buildings_premium;
$premium += $buildingsEX_premium;
/* contents premiums ---------------------------------- */
$contents_premium = 0;
for ($i = 0; $i <= 4; $i++) {
$contentsAreaPremium[$i] = $contentsAreaSum[$i] / 100 * $this->_rates['contentsNet'][$i];
$contents_premium += $contentsAreaPremium[$i];
}
$contentsAD_premium = $contentsAccidentalDamage == "" ? 0 : $contentsAccidentalDamage / 100 * $this->_rates['contentsAD_multiplyer'];
$contentsNE_premium = $contentsNoExcess == "" ? 0 : $contentsNoExcess / 100 * $this->_rates['contentsNE_multiplyer'];
$contentsEX_premium = $contentsAD_premium + $contentsNE_premium;
$premium += $contents_premium;
$premium += $contentsEX_premium;
$total_premium = $premium;
//------------------------------------------
// Calculate Tenancy
//------------------------------------------
$professionalRate = $professionalprop / $tenantnum * 100;
$excess = 0;
if ($professionalRate >= 85) {
$total_premium *= $this->_factors['professionalRate']["85-100"];
} else {
if ($professionalRate >= 70) {
$total_premium *= $this->_factors['professionalRate']["70-84"];
} else {
if ($professionalRate >= 50) {
$total_premium *= $this->_factors['professionalRate']["50-69"];
} else {
if ($professionalRate >= 40) {
$excess = 500;
$total_premium *= $this->_factors['professionalRate']["40-49"];
} else {
if ($professionalRate >= 30) {
$excess = 500;
$total_premium *= $this->_factors['professionalRate']["30-39"];
} else {
if ($professionalRate >= 20) {
$excess = 750;
$total_premium *= $this->_factors['professionalRate']["20-29"];
} else {
if ($professionalRate >= 10) {
$excess = 750;
$total_premium *= $this->_factors['professionalRate']["10-19"];
} else {
$excess = 750;
$total_premium *= $this->_factors['professionalRate']["0-9"];
}
}
}
}
}
}
}
$tenantPremium = $total_premium;
//------------------------------------------
// Calculate Claims
//------------------------------------------
#$previousClaims = explode("|","|||||||||||||||");
$claimsManager = new Manager_Insurance_Portfolio_PreviousClaims();
$claimsAmount = $claimsManager->getClaimsTotal($refNo);
#$claimsAmount = $previousClaims[3]+$previousClaims[7]+$previousClaims[11]+$previousClaims[15];
if ($claimsAmount > 0 && $total_premium > 0) {
$number_of_years = 3;
$claimsRatio = $claimsAmount / ($total_premium * $number_of_years);
// Covers three years
$bReferred = true;
$has_claims = true;
} else {
$claimsRatio = 0;
}
if ($claimsRatio == 0) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["0-0"];
} else {
if ($claimsRatio < 25) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["1-24"];
} else {
if ($claimsRatio < 50) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["25-49"];
} else {
if ($claimsRatio < 60) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["50-59"];
} else {
if ($claimsRatio < 70) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["60-69"];
} else {
if ($claimsRatio < 80) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["70-79"];
} else {
if ($claimsRatio < 90) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["80-89"];
} else {
if ($claimsRatio < 100) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["90-99"];
} else {
if ($claimsRatio < 120) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["100-119"];
} else {
if ($claimsRatio < 140) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["120-139"];
} else {
if ($claimsRatio < 160) {
$claimsExperience = $total_premium * $this->_factors['claimRate']["140-159"];
} else {
$claimsExperience = $total_premium;
$bReferred = true;
}
}
}
}
}
}
}
}
}
}
}
// discounts on total sums
if ($total_sum_buildings < 1000000) {
// less than 1 million
$sumInsuredDiscount = $this->_factors['sumInsuredDiscRate']["0-999999"];
} else {
if ($total_sum_buildings < 2000000) {
// less than 2 million
$sumInsuredDiscount = $this->_factors['sumInsuredDiscRate']["1000000-1999999"];
} else {
if ($total_sum_buildings < 3000000) {
// less than 3 million
$sumInsuredDiscount = $this->_factors['sumInsuredDiscRate']["2000000-2999999"];
} else {
if ($total_sum_buildings >= 3000000) {
// greater than 3 million
$sumInsuredDiscount = $this->_factors['sumInsuredDiscRate']["3000000-0"];
}
}
}
}
$netPremium = $sumInsuredDiscount * $claimsExperience;
// Net Rates
if ($total_sum_buildings) {
$netRateA = $total_sum_buildings * $this->_factors['netRate_multiplyer'] / 100;
$netRateB = $netPremium;
$netRateBmultiply = $netRateB / $total_sum_buildings * 100;
$loadingDiscount = $netRateBmultiply / $this->_factors['netRate_multiplyer'] * 100 - 100;
}
// PREMIUM SUMMARY
//////////////////////////////////////////////////////////////////////
// Gross Premium Details
$gross = $total_sum_buildings * $this->_factors['gross_premium_multiplyer'] / 100;
$grossExcIPTmultiply = $this->_factors['gross_premium_multiplyer'] * $loadingDiscount / 100 + $this->_factors['gross_premium_multiplyer'];
$grossExcIPT = $total_sum_buildings * $grossExcIPTmultiply / 100;
$grossIncIPT = $grossExcIPT * 105 / 100;
$grossIPT = $grossIncIPT - $grossExcIPT;
// Gross Premium with 45 % commission
// Annual calculation
$UserQuoteAnnualPremium = $netPremium * $this->_factors['commission'];
$UserQuoteAnnualPremium += $limited_contents_cost;
$UserQuoteAnnualIPT = $UserQuoteAnnualPremium * $this->_factors['ipt_multiplyer'];
//Monthly Calculation
$UserQuoteMonthlyPremium = $netPremium * $this->_factors['commission'];
$UserQuoteMonthlyPremium += $limited_contents_cost;
$UserQuoteMonthlyPremium = $UserQuoteMonthlyPremium / 12;
$UserQuoteMonthlyIPT = $UserQuoteMonthlyPremium * $this->_factors['ipt_multiplyer'];
// Insurer Disbursement details
$IPTonGross = $UserQuoteAnnualIPT;
$UWTotal = $netPremium + $IPTonGross;
$netnetPremium = $netPremium * $this->_factors['netnetPremium_multiplyer'];
$UWPremium = $netnetPremium + $IPTonGross;
// USER QUOTE based on chosen payment method
$frmPayment = "Monthly";
$UserQuotePremium = $frmPayment == "Annually" ? sprintf("%01.2f", $UserQuoteAnnualPremium) : sprintf("%01.2f", $UserQuoteMonthlyPremium);
$UserQuoteIPT = $frmPayment == "Annually" ? sprintf("%01.2f", $UserQuoteAnnualIPT) : sprintf("%01.2f", $UserQuoteMonthlyIPT);
$UserQuoteService = $frmPayment == "Annually" ? 0.0 : $this->_factors['serviceCharge'];
$UserQuote = $UserQuotePremium + $UserQuoteIPT + $UserQuoteService;
$premiums = array();
$premiums['UserQuoteAnnualPremium'] = round($UserQuoteAnnualPremium, 2);
$premiums['UserQuoteMonthlyPremium'] = round($UserQuoteMonthlyPremium, 2);
$premiums['UserQuoteAnnualIPT'] = round($UserQuoteAnnualIPT, 2);
$premiums['UserQuoteMonthlyIPT'] = round($UserQuoteMonthlyIPT, 2);
$premiums['UserQuoteAnnualPremiumInc'] = $premiums['UserQuoteAnnualPremium'] + $premiums['UserQuoteAnnualIPT'];
$premiums['UserQuoteMonthlyPremiumInc'] = $premiums['UserQuoteMonthlyPremium'] + $premiums['UserQuoteMonthlyIPT'] + $this->_factors['serviceCharge'];
$returnArray = array('premiums' => $premiums, 'referred' => $bReferred, 'has_claims' => $has_claims, 'buildingAreaSum' => $buildingAreaSum, 'buildings_premium' => $buildings_premium, 'buildingAreaPremium' => $buildingAreaPremium, 'contentsAreaSum' => $contentsAreaSum, 'contentsAreaPremium' => $contentsAreaPremium, 'contents_premium' => $contents_premium, 'tenantnum' => $tenantnum, 'professionalprop' => $professionalprop, 'professionalRate' => $professionalRate, 'total_sum_buildings' => $total_sum_buildings, 'total_sum_contents' => $total_sum_contents, 'limited_contents_cost' => $limited_contents_cost, 'buildingsAccidentalDamage' => $buildingsAccidentalDamage, 'buildingsNoExcess' => $buildingsNoExcess, 'contentsAccidentalDamage' => $contentsAccidentalDamage, 'contentsNoExcess' => $contentsNoExcess, 'gross' => $gross, 'grossExcIPTmultiply' => $grossExcIPTmultiply, 'grossExcIPT' => $grossExcIPT, 'grossIncIPT' => $grossIncIPT, 'grossIPT' => $grossIPT, 'premium' => $premium, 'excess' => $excess, 'sumInsuredDiscount' => $sumInsuredDiscount, 'UserQuoteAnnualPremium' => $UserQuoteAnnualPremium, 'UserQuoteAnnualIPT' => $UserQuoteAnnualIPT, 'UserQuoteMonthlyPremium' => $UserQuoteMonthlyPremium, 'UserQuoteMonthlyIPT' => $UserQuoteMonthlyIPT, 'IPTonGross' => $IPTonGross, 'UWTotal' => $UWTotal, 'netnetPremium' => $netnetPremium, 'UWPremium' => $UWPremium, 'netRateA' => $netRateA, 'netRateB' => $netRateB, 'netRateBmultiply' => $netRateBmultiply, 'loadingDiscount' => $loadingDiscount, 'claimsExperience' => $claimsExperience, 'professionalRate' => $professionalRate, 'tenantPremium' => $tenantPremium, 'claimsAmount' => $claimsAmount, 'claimsRatio' => $claimsRatio, 'buildingsAD_premium' => $buildingsAD_premium, 'buildingsNE_premium' => $buildingsNE_premium, 'buildingsEX_premium' => $buildingsEX_premium, 'contentsAD_premium' => $contentsAD_premium, 'contentsNE_premium' => $contentsNE_premium, 'contentsEX_premium' => $contentsEX_premium, 'UserQuotePremium' => $UserQuotePremium, 'UserQuoteIPT' => $UserQuoteIPT, 'UserQuoteService' => $UserQuoteService, 'UserQuote' => $UserQuote, 'Additional' => $pageSession->step3, 'Dpa' => $pageSession->step1, 'agentschemeno' => $session->referrer, 'csuid' => $session->csu, 'origin' => $session->origin);
return $returnArray;
}
/**
* remove Previous claims add previous claims to the previous claims table (?)
* @param POST vars
* @return JSON Encoded html
* @author John Burrin
* @since 1.3
* http://homelet.centos5.dev/json/portfolio-portfolio/remove-previous-claim
*/
public function removePreviousClaimAction()
{
$pageSession = new Zend_Session_Namespace('portfolio_insurance_quote');
$customerReferenceNumber = $pageSession->CustomerRefNo;
$ajaxForm = new Form_PortfolioInsuranceQuote_claimsDialog();
$return = array();
$request = $this->getRequest();
$postdata = $request->getPost();
$return['success'] = false;
if ($ajaxForm->isValid($postdata)) {
$claimsManager = new Manager_Insurance_Portfolio_PreviousClaims();
$claimsManager->removeClaim($postdata['id']);
// Do the update stuffs
// Get the properties to shove back into the page
$claimsArray = $claimsManager->fetchAllClaims($customerReferenceNumber);
if ($claimsArray->count() > 0) {
$return['html'] = $this->view->partialLoop('portfolio-insurance-quote/partials/claims-list.phtml', $claimsArray);
} else {
$return['html'] = '<em>None</em>';
}
$return['success'] = true;
} else {
// TODO: This shouldn't do this should it?
Zend_Debug::dump($ajaxForm->getMessages());
}
echo Zend_Json::encode($return);
}
