/**
* Gets the rate set filtered by agents rate ID and risk area
*
* @param int $agentRateID
* @param int $riskArea
* @return Model_Insurance_Rate
*/
public function getRateSet($agentRateID, $riskArea, $rateSetID)
{
$rateModel = new Model_Insurance_Rate();
if ($rateSetID == 0 || $rateSetID == -1) {
$select = $this->select()->where('endDate >= NOW() OR endDate = "0000-00-00"')->where('agentsRateID = ?', $agentRateID)->where('riskarea = ?', $riskArea);
} else {
$select = $this->select()->where('rateSetID = ?', $rateSetID)->where('riskarea = ?', $riskArea);
}
$rate = $this->fetchRow($select);
if (count($rate) > 0) {
$rateModel->rateSetID = $rate->rateSetID;
$rateModel->rateName = $rate->rateName;
$rateModel->riskArea = $rate->riskarea;
$rateModel->contentstpb = $rate->contentstpb;
$rateModel->contentstpa_banda = $rate->contentstpa_banda;
$rateModel->contentstpa_bandb = $rate->contentstpa_bandb;
$rateModel->contentstpa_bandc = $rate->contentstpa_bandc;
$rateModel->contentstpa_bandd = $rate->contentstpa_bandd;
$rateModel->possessionsp_banda = $rate->possessionsp_banda;
$rateModel->possessionsp_bandb = $rate->possessionsp_bandb;
$rateModel->possessionsp_bandc = $rate->possessionsp_bandc;
$rateModel->possessionsp_bandd = $rate->possessionsp_bandd;
$rateModel->pedalcyclesp = $rate->pedalcyclesp;
$rateModel->specpossessionsp = $rate->specpossessionsp;
//The TCI+ rates were originally written for IPT at 5%, as this was something that hadn't
//changed in over a thousand years. However, IPT suddenly started to change every few months,
//switching restlessly between 5% and 6%, and so the best developers in the land were gathered
//together to devise an engineering solution to accommodate this...
$taxDatasource = new Datasource_Core_Tax();
$tax = $taxDatasource->getTaxbyType('ipt');
if ($tax['rate'] == 6) {
//Behold repugnance:
$fudge = 1.05 / 1.06;
$rateModel->contentstpa_banda = round($rateModel->contentstpa_banda * $fudge, 4);
$rateModel->contentstpa_bandb = round($rateModel->contentstpa_bandb * $fudge, 4);
$rateModel->contentstpa_bandc = round($rateModel->contentstpa_bandc * $fudge, 4);
$rateModel->contentstpa_bandd = round($rateModel->contentstpa_bandd * $fudge, 4);
$rateModel->contentstpb = round($rateModel->contentstpb * $fudge, 6);
$rateModel->possessionsp_banda = round($rateModel->possessionsp_banda * $fudge, 4);
$rateModel->possessionsp_bandb = round($rateModel->possessionsp_bandb * $fudge, 4);
$rateModel->possessionsp_bandc = round($rateModel->possessionsp_bandc * $fudge, 4);
$rateModel->possessionsp_bandd = round($rateModel->possessionsp_bandd * $fudge, 4);
$rateModel->pedalcyclesp = round($rateModel->pedalcyclesp * $fudge, 4);
$rateModel->specpossessionsp = round($rateModel->specpossessionsp * $fudge, 4);
}
} else {
// Can't find rates - log a warning
Application_Core_Logger::log("Can't find rates in table {$this->_name} (agentsRateID = {$agentRateID}, riskarea = {$riskArea})", 'warning');
}
return $rateModel;
}
/**
* Calculate the Premium
*
*/
public function calculatePremiums()
{
Application_Core_Logger::log('Calculating Premiums', 'info');
// Split the sum insured amounts
$amountsCovered = explode('|', $this->_quoteModel->amountsCovered);
$contentsSumInsured = $amountsCovered[0];
$pedalCyclesSumInsured = $amountsCovered[1];
$specifiedPossessionsSumInsured = $amountsCovered[2];
$unspecifiedPossessionsSumInsured = $amountsCovered[3];
// Get IPT percentage unless we are doing just a quick quote
if (isset($this->_quoteModel->ID)) {
$propertiesDatasource = new Datasource_Insurance_Quote_Properties();
$properties = $propertiesDatasource->getByQuoteID($this->_quoteModel->ID);
$postcode = $properties[0]['postcode'];
$taxDatasource = new Datasource_Core_Tax();
$tax = $taxDatasource->getTaxbyTypeAndPostcode('ipt', $postcode);
$ipt = 1 + $tax['rate'] / 100;
} else {
// We're just doing a quick quote so just get the regular ipt
$taxDatasource = new Datasource_Core_Tax();
$tax = $taxDatasource->getTaxbyType('ipt');
$ipt = 1 + $tax['rate'] / 100;
}
// Zero the premium amounts
$premiums = new Model_Insurance_TenantsContentsPlus_Premiums();
// TODO: This rating engine is flawed and produces un-rounded values.
// Need to replace this with the landlords CORE rating engine which is currently unfinished.
// Load the rates
$ratesManager = new Manager_Insurance_TenantsContentsPlus_Rates($this->_quoteModel->agentRateSetID, $this->_quoteModel->riskArea, $this->_rateSetID);
$ratesManager->setCoverAmounts($contentsSumInsured, $unspecifiedPossessionsSumInsured);
// Fetch the rate set ID and store it in the object
$this->_quoteModel->rateSetID = $ratesManager->getSetID();
// Now we have the rate set ID - let's get the rates
$contentsRate = $ratesManager->getContentsRate();
$pedalCyclesRate = $ratesManager->getPedalCyclesRate();
$specifiedPossessionsRate = $ratesManager->getSpecifiedPossessionsRate();
$unspecifiedPossessionsRate = $ratesManager->getUnspecifiedPossessionsRate();
// Calculate premiums
if ($contentsSumInsured > 0) {
if ($contentsSumInsured > 15000) {
$premiums->contents = $contentsRate * $ipt * ($contentsSumInsured / 1000);
} else {
$premiums->contents = $contentsRate * $ipt;
}
}
if ($pedalCyclesSumInsured >= 200) {
$premiums->pedalCycles = round($pedalCyclesRate * $pedalCyclesSumInsured / 100 * $ipt, 3);
} else {
$premiums->pedalCycles = 0;
}
if ($specifiedPossessionsSumInsured > 0) {
$premiums->specifiedPossessions = round($specifiedPossessionsSumInsured / 100 * $specifiedPossessionsRate * $ipt, 3);
}
if ($unspecifiedPossessionsSumInsured > 0) {
$premiums->unspecifiedPossessions = $unspecifiedPossessionsRate * $ipt;
}
// Calculate totals with Loadings
$premiums->annualTotal = ($premiums->contents + $premiums->pedalCycles + $premiums->specifiedPossessions + $premiums->unspecifiedPossessions) * $this->_quoteModel->discountLoading * 12;
$premiums->annualIptAmount = $premiums->annualTotal - $premiums->annualTotal / $ipt;
$premiums->total = ($premiums->contents + $premiums->pedalCycles + $premiums->specifiedPossessions + $premiums->unspecifiedPossessions) * $this->_quoteModel->discountLoading;
$premiums->iptAmount = $premiums->total - $premiums->total / $ipt;
// Apply loadings to individual breakdowns
$premiums->contents = $premiums->contents * $this->_quoteModel->discountLoading;
$premiums->pedalCycles = $premiums->pedalCycles * $this->_quoteModel->discountLoading;
$premiums->specifiedPossessions = $premiums->specifiedPossessions * $this->_quoteModel->discountLoading;
$premiums->unspecifiedPossessions = $premiums->unspecifiedPossessions * $this->_quoteModel->discountLoading;
// Update the optionpremiums field in the database
// These are rounded to 2 decimal places and do not include IPT
$optionPremiums = explode('|', $this->_quoteModel->optionPremiums);
$optionPremiums[0] = round($premiums->contents / $ipt, 2);
$optionPremiums[1] = round($premiums->pedalCycles / $ipt, 2);
$optionPremiums[2] = round($premiums->specifiedPossessions / $ipt, 2);
$optionPremiums[3] = round($premiums->unspecifiedPossessions / $ipt, 2);
$optionPremiums[4] = 0;
$optionPremiums = implode('|', $optionPremiums);
// Calculate annual individual breakdowns
$premiums->annualContents = $premiums->contents * $this->_quoteModel->discountLoading * 12;
$premiums->annualPedalCycles = $premiums->pedalCycles * $this->_quoteModel->discountLoading * 12;
$premiums->annualSpecifiedPossessions = $premiums->specifiedPossessions * $this->_quoteModel->discountLoading * 12;
$premiums->annualUnspecifiedPossessions = $premiums->unspecifiedPossessions * $this->_quoteModel->discountLoading * 12;
// Now that ALL calculations are done we can safely round to 2 decimal places
$premiums->annualTotal = round($premiums->annualTotal, 2);
$premiums->annualIptAmount = round($premiums->annualIptAmount, 2);
$premiums->total = round($premiums->total, 2);
$premiums->iptAmount = round($premiums->iptAmount, 2);
$premiums->contents = round($premiums->contents, 2);
$premiums->pedalCycles = round($premiums->pedalCycles, 2);
$premiums->specifiedPossessions = round($premiums->specifiedPossessions, 2);
$premiums->unspecifiedPossessions = round($premiums->unspecifiedPossessions, 2);
$premiums->annualContents = round($premiums->annualContents, 2);
$premiums->annualPedalCycles = round($premiums->annualPedalCycles, 2);
$premiums->annualSpecifiedPossessions = round($premiums->annualSpecifiedPossessions, 2);
$premiums->annualUnspecifiedPossessions = round($premiums->annualUnspecifiedPossessions, 2);
if ($this->getPayBy() == "Annually") {
$this->_quoteModel->premium = $premiums->annualTotal - $premiums->annualIptAmount;
$this->_quoteModel->ipt = $premiums->annualIptAmount;
$this->_quoteModel->quote = $premiums->annualTotal;
} else {
$this->_quoteModel->premium = $premiums->total - $premiums->iptAmount;
$this->_quoteModel->ipt = $premiums->iptAmount;
$this->_quoteModel->quote = $premiums->total;
}
$this->_quoteModel->optionPremiums = $optionPremiums;
$amountsCovered[4] = "no";
$this->_quoteModel->amountsCovered = implode('|', $amountsCovered);
$this->_save();
return $premiums;
}
