/**
* Returns the endorsements required by a quote or policy.
*
* This method will identify the endorsements that should be applied to
* the quote or policy identified by $policyNumber. If any endorsements are
* identified, they will be detailed in one or more Model_Insurance_Endorsement
* objects, which will then be returned in an array. If the quote / policy does
* not merit any endorsements, then null will be returned.
*
* @param string $policyNumber
* The quote or policy number.
*
* @return mixed
* Returns an array of Model_Insurance_Endorsement objects,
* or null if no endorsements are applicable.
*/
public function getEndorsementsRequired($policyNumber)
{
$params = Zend_Registry::get('params');
$returnArray = array();
$quote = new Manager_Insurance_TenantsContentsPlus_Quote(null, null, $policyNumber);
if ($quote->getPolicyName() == 'tenantsp') {
//As a TCI+ policy, this will automatically require a student sharer endorsement
$endorsement = new Model_Insurance_Endorsement();
$endorsement->setPolicyNumber($policyNumber);
$endorsementType = new Model_Insurance_EndorsementType();
$endorsementType->setID($params->uw->ed->tenantsp->studentSharer->id);
$endorsementType->setName($params->uw->ed->tenantsp->studentSharer->name);
$endorsement->setEndorsementType($endorsementType);
$endorsement->setEffectiveDate(new Zend_Date($quote->getStartDate(), Zend_Date::ISO_8601));
$returnArray[] = $endorsement;
//Check if minimum standards of protection endorsement is required.
$mspEndorsementRequired = false;
$contentsAmountCovered = $quote->getPolicyOptionAmountCovered('contentstp');
$mspEndorsementThreshold = new Zend_Currency(array('value' => $params->uw->et->tenantsp->mandatory->contents, 'precision' => 0));
if ($contentsAmountCovered->isMore($mspEndorsementThreshold)) {
$mspEndorsementRequired = true;
} else {
//MSP endorsements are also required if the applicant lives in a 'security' postcode.
if ($quote->getIsHighRisk() == $params->uw->et->tenantsp->mandatory->highRiskFlag) {
$mspEndorsementRequired = true;
}
}
if ($mspEndorsementRequired) {
$endorsement = new Model_Insurance_Endorsement();
$endorsement->setPolicyNumber($policyNumber);
$endorsementType = new Model_Insurance_EndorsementType();
$endorsementType->setID($params->uw->ed->tenantsp->minStandardProtection->id);
$endorsementType->setName($params->uw->ed->tenantsp->minStandardProtection->name);
$endorsement->setEndorsementType($endorsementType);
$endorsement->setEffectiveDate(new Zend_Date($quote->getStartDate(), Zend_Date::ISO_8601));
$returnArray[] = $endorsement;
}
} else {
//This method has been used on a quote/policy that is not TenantsContentsPlus. Throw
//an exception.
throw new Zend_Exception(get_class() . '::' . __FUNCTION__ . ': unknown product.');
}
//Provide a return value consistent with this methods contract.
if (empty($returnArray)) {
$returnVal = null;
} else {
$returnVal = $returnArray;
}
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;
}
