/** * Helper function for generating view breakdown HTML fragment * * @param bool $showAdminFees Optional switch to include admin fees, defaults to false * * @return string */ public function viewBreakdown($includeAdminFees = true) { // Get customer ref no and policy number $pageSession = new Zend_Session_Namespace('tenants_insurance_quote'); $this->_customerReferenceNumber = $pageSession->CustomerRefNo; $this->_policyNumber = $pageSession->PolicyNumber; // Get premium values for quote $quoteManager = new Manager_Insurance_TenantsContentsPlus_Quote(null, null, $this->_policyNumber); $premiums = $quoteManager->calculatePremiums(); $this->view->premiums = $premiums; // Get cover amounts $this->view->contentsCoverAmount = $quoteManager->getCoverAmount(Manager_Insurance_TenantsContentsPlus_Quote::CONTENTS); $this->view->bicyclesCoverAmount = $quoteManager->getCoverAmount(Manager_Insurance_TenantsContentsPlus_Quote::PEDALCYCLES); $this->view->specifiedPossessionsCoverAmount = $quoteManager->getCoverAmount(Manager_Insurance_TenantsContentsPlus_Quote::SPECIFIEDPOSSESSIONS); $this->view->unspecifiedPossessionsCoverAmount = $quoteManager->getCoverAmount(Manager_Insurance_TenantsContentsPlus_Quote::UNSPECIFIEDPOSSESSIONS); // Get any sharer occupation details $sharersManager = new Manager_Insurance_TenantsContentsPlus_Sharers(); $sharerData = $sharersManager->getSharers($this->_policyNumber); $this->view->sharer1 = !is_null($sharerData) ? $sharerData->getSharerOccupation(1) : ''; $this->view->sharer2 = !is_null($sharerData) ? $sharerData->getSharerOccupation(2) : ''; // Get specified possessions info $possession = new Datasource_Insurance_Policy_SpecPossessions($this->_policyNumber); $this->view->possessions = $possession->listPossessions(); // Get bicycle info $bike = new Datasource_Insurance_Policy_Cycles($this->_customerReferenceNumber, $this->_policyNumber); $this->view->bicycles = $bike->listBikes(); // Get Current IPT percentage $quote = $quoteManager->getQuoteObject(); $postcode = $quote->propertyPostcode; $taxDatasource = new Datasource_Core_Tax(); $tax = $taxDatasource->getTaxbyTypeAndPostcode('ipt', $postcode); $ipt = 1 + $tax['rate']; // Get admin fees, if required if ($includeAdminFees) { $fees = $quoteManager->getFees(); $this->view->feeMonthly = $fees->tenantspMonthlyFee; $this->view->feeAnnual = 0; // TODO: parameterise? Legacy DB and fee object currently don't handle annual fees } else { $this->view->feeMonthly = 0; $this->view->feeAnnual = 0; } $this->view->includeAdminFees = $includeAdminFees; // Return partial view HTML return $this->view->partial('partials/view-breakdown.phtml', $this->view); }
private function _calculateTax() { $policyDisb = new Datasource_Insurance_LegacyPolicies(); $policy = $policyDisb->getByPolicyNumber($this->_policynumber); $postcode = $policy->propertyPostcode; $taxInfo = new Datasource_Core_Tax(); $tax = $taxInfo->getTaxbyTypeAndPostcode('IPT', $postcode, $this->_startdate); $taxrate = $tax['rate']; $this->_iptOption = round($this->_premOption * ($taxrate / 100), 4); }
/** * Save the quote into the legacy database tables * * @munt 10 */ protected function _saveToLegacy() { // Insert/Update the legacy customer table // Check to see if we already have a legacy identifier if (is_null($this->_quoteModel->legacyID) || $this->_quoteModel->legacyID == '') { // This is the first save to legacy so we need to generate a new unique ID // I say unique.. but ermm.. well you'll see *sigh* $numberTracker = new Datasource_Core_NumberTracker(); $this->_quoteModel->legacyID = 'QHLI' . (string) $numberTracker->getNextPolicyNumber() . '/01'; $this->_quoteDataSource->save($this->_quoteModel); // Do a quick save now we have a legacy quote number } $this->_quoteModel->policyNumber = $this->_quoteModel->legacyID; $this->_quoteModel->policyLength = 12; // Insert/Update the legacy quote table $legacyQuote = new Model_Insurance_LegacyQuote(); $legacyQuote->policyNumber = $this->getLegacyID(); // Quote number $legacyQuote->refNo = $this->getLegacyCustomerReference(); // Customer reference number $legacyQuote->agentSchemeNumber = $this->getAgentSchemeNumber(); // Todo: This should be the agent scheme number for the selected agent! $legacyQuote->policyName = 'landlordsp'; // Landlords+ quote/policy $legacyQuote->issueDate = date('Y-m-d'); // Issued date - today $legacyQuote->startDate = $this->getStartDate(); $legacyQuote->endDate = $this->getEndDate(); $legacyQuote->policyType = 'L'; $legacyQuote->policyLength = 12; $legacyQuote->payStatus = $this->_quoteModel->status; if ($this->getPayFrequency() == "ANNUALLY") { $legacyQuote->payBy = "Annually"; } $idd = new Datasource_Insurance_IddSupport(); if (!$idd->isIddSupport($legacyQuote->policyNumber)) { $inserArray = array(); $insertArray['policynumber'] = $legacyQuote->policyNumber; $insertArray['agentschemeno'] = $legacyQuote->agentSchemeNumber; $insertArray['csuid'] = 0; $fsaAgentStatusDatasource = new Datasource_Fsa_AgentStatus(); $fsaStatus = $fsaAgentStatusDatasource->getAgentFsaStatus($legacyQuote->agentSchemeNumber); if (isset($fsaStatus['status_abbr'])) { $insertArray['FSA_status'] = $fsaStatus['status_abbr']; } else { $insertArray['FSA_status'] = ""; } $insertArray['origsaleid'] = 9; $insertArray['callerid'] = 2; $idd->setIddSupport($insertArray); } $properties = $this->getProperties(); $legacyQuote->propertyAddress1 = $properties[0]['line_1']; $legacyQuote->propertyAddress2 = $properties[0]['line_2']; $legacyQuote->propertyAddress3 = $properties[0]['town']; $legacyQuote->propertyPostcode = $properties[0]['postcode']; // Build the policy options pipe delimitted nonsense!!! FML $premiums = $this->calculatePremiums(); if ($premiums != '') { // Depending on if this is an annual or monthly quote we have to save different values in the database :( if ($this->getPayFrequency() == "ANNUALLY") { $legacyQuote->premium = $premiums['totalGrossAnnualPremium']; $legacyQuote->quote = $premiums['totalGrossAnnualPremium'] + $premiums['totalGrossAnnualIPT']; $legacyQuote->ipt = $premiums['totalGrossAnnualIPT']; } else { $legacyQuote->premium = $premiums['totalGrossMonthlyPremium']; $legacyQuote->quote = $premiums['totalGrossMonthlyPremium'] + $premiums['totalGrossMonthlyIPT']; $legacyQuote->ipt = $premiums['totalGrossMonthlyIPT']; } $this->_quoteModel->premium = $premiums['totalGrossMonthlyPremium']; $this->_quoteModel->ipt = $premiums['totalGrossAnnualIPT']; $legacyQuote->riskArea = $premiums['riskAreas']['buildingsAreaID']; $legacyQuote->termid = $this->setPolicyTerm(); } $mult = 1; if ($this->getPayFrequency() == 'MONTHLY') { $mult = 12; } $policyOptions = ''; $amountsCovered = ''; $optionPremiums = ''; $pItemHist = new Datasource_Insurance_Policy_PolicyTermItemHist(); $cover = new Model_Insurance_Cover(); // Get IPT percentage $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 + $tax['rate'] / 100; if ($premiums != '') { if ($this->hasProduct(self::BUILDING_COVER) && $this->isValidValue($premiums['netBuilding'])) { $policyOptions .= 'buildingsp|'; $amountsCovered .= $premiums['rebuildValue'] > 0 ? $premiums['rebuildValue'] : $premiums['calculatedDSIValue']; $amountsCovered .= '|'; $optionPremiums .= round($premiums['annualBuilding'] / $mult, 2) . '|'; $cover->policyOptionID = 33; $cover->sumInsured = $premiums['rebuildValue'] > 0 ? $premiums['rebuildValue'] : $premiums['calculatedDSIValue']; $cover->grosspremium = round($premiums['annualBuilding'] * $ipt, 2); $cover->premium = $premiums['annualBuilding']; $cover->netpremium = $premiums['netBuilding']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); if ($this->isValidValue($premiums['netBuildingAD'])) { $policyOptions .= 'buildingsAccidentalDamagep|'; $amountsCovered .= $premiums['rebuildValue'] > 0 ? $premiums['rebuildValue'] : $premiums['calculatedDSIValue']; $amountsCovered .= '|'; $optionPremiums .= round($premiums['annualBuildingAD'] / $mult, 2) . '|'; $cover->policyOptionID = 37; $cover->grosspremium = round($premiums['annualBuildingAD'] * $ipt, 2); $cover->premium = $premiums['annualBuildingAD']; $cover->netpremium = $premiums['netBuildingAD']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } if ($this->isValidValue($premiums['netBFlood'])) { $policyOptions .= 'buildingslflood|'; $amountsCovered .= $premiums['rebuildValue'] > 0 ? $premiums['rebuildValue'] : $premiums['calculatedDSIValue']; $amountsCovered .= '|'; $optionPremiums .= round($premiums['annualBFlood'] / $mult, 2) . '|'; $cover->policyOptionID = 31; $cover->grosspremium = round($premiums['annualBFlood'] * $ipt, 2); $cover->premium = $premiums['annualBFlood']; $cover->netpremium = $premiums['netBFlood']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } } if ($this->hasProduct(self::UNFURNISHED_CONTENTS_COVER) && $this->isValidValue($premiums['netLContent'])) { $policyOptions .= 'limitedcontentsp|'; $amountsCovered .= '5000|'; $optionPremiums .= round($premiums['annualLContent'] / $mult, 2) . '|'; $cover->policyOptionID = 39; $cover->sumInsured = 5000; $cover->grosspremium = round($premiums['annualLContent'] * $ipt, 2); $cover->premium = $premiums['annualLContent']; $cover->netpremium = $premiums['netLContent']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } if ($this->hasProduct(self::CONTENTS_COVER) && $this->isValidValue($premiums['netContent'])) { $policyOptions .= 'contentslp|'; $meta = $this->getProductMeta(self::CONTENTS_COVER); $amountsCovered .= $meta['cover_amount'] . '|'; $optionPremiums .= round($premiums['annualContent'] / $mult, 2) . '|'; $cover->sumInsured = $meta['cover_amount']; $cover->policyOptionID = 34; $cover->grosspremium = round($premiums['annualContent'] * $ipt, 2); $cover->premium = $premiums['annualContent']; $cover->netpremium = $premiums['netContent']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); if ($this->isValidValue($premiums['netContentsAD'])) { $policyOptions .= 'contentslAccidentalDamagep|'; $amountsCovered .= $meta['cover_amount'] . '|'; $optionPremiums .= round($premiums['annualContentsAD'] / $mult, 2) . '|'; $cover->policyOptionID = 38; $cover->grosspremium = round($premiums['annualContentsAD'] * $ipt, 2); $cover->premium = $premiums['annualContentsAD']; $cover->netpremium = $premiums['netContentsAD']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } if ($this->isValidValue($premiums['netBFlood'])) { $policyOptions .= 'contentslflood|'; $amountsCovered .= $meta['cover_amount'] . '|'; $optionPremiums .= round($premiums['annualCFlood'] / $mult, 2) . '|'; $cover->policyOptionID = 32; $cover->grosspremium = round($premiums['annualCFlood'] * $ipt, 2); $cover->premium = $premiums['annualCFlood']; $cover->netpremium = $premiums['netCFlood']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } } // ** RENT GUARANTEE ** // if ($this->hasProduct(self::RENT_GUARANTEE) && $this->isValidValue($premiums['netAnnualRentGuarantee'])) { $policyOptions .= 'rentguaranteep|'; $meta = $this->getProductMeta(self::RENT_GUARANTEE); $amountsCovered .= $meta['monthly_rent'] . '|'; $optionPremiums .= round($premiums['grossAnnualRentGuarantee'] / $mult, 2) . '|'; $cover->policyOptionID = 36; $cover->sumInsured = $meta['monthly_rent']; $cover->grosspremium = round($premiums['grossAnnualRentGuarantee'] * $ipt, 2); $cover->premium = $premiums['grossAnnualRentGuarantee']; $cover->netpremium = $premiums['netAnnualRentGuarantee']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } // ** LEGAL EXPENSES ** // if ($this->hasProduct(self::LEGAL_EXPENSES) && $this->isValidValue($premiums['netAnnualLegalExpensesCover'])) { $policyOptions .= 'legalexpensesp|'; $amountsCovered .= '50000|'; $optionPremiums .= round($premiums['grossAnnualLegalExpensesCover'] / $mult, 2) . '|'; $cover->policyOptionID = 35; $cover->sumInsured = 50000; $cover->grosspremium = round($premiums['grossAnnualLegalExpensesCover'] * $ipt, 2); $cover->premium = $premiums['grossAnnualLegalExpensesCover']; $cover->netpremium = $premiums['netAnnualLegalExpensesCover']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } // ** EMERGENCY ASSISTANCE ** // if ($this->hasProduct(self::EMERGENCY_ASSISTANCE)) { if ($this->isValidValue($premiums['netEA'])) { $policyOptions .= 'emergencyassistance|'; $amountsCovered .= '1500|'; $optionPremiums .= round($premiums['annualEA'] / $mult, 2) . '|'; $cover->policyOptionID = 4; $cover->sumInsured = 1500; $cover->grosspremium = round($premiums['annualEA'] * $ipt, 2); $cover->premium = $premiums['annualEA']; $cover->netpremium = $premiums['netEA']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } if ($this->isValidValue($premiums['netEAB'])) { $policyOptions .= 'emergencyassistancebahbuildings|'; $amountsCovered .= '0|'; $optionPremiums .= round($premiums['annualEAB'] / $mult, 2) . '|'; $cover->policyOptionID = 28; $cover->sumInsured = 0; $cover->grosspremium = round($premiums['annualEAB'] * $ipt, 2); $cover->premium = $premiums['annualEAB']; $cover->netpremium = $premiums['netEAB']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } if ($this->isValidValue($premiums['netEAS'])) { $policyOptions .= 'emergencyassistancestandalone|'; $amountsCovered .= '1500|'; $optionPremiums .= round($premiums['annualEAS'] / $mult, 2) . '|0|'; $cover->policyOptionID = 30; $cover->sumInsured = 1500; $cover->grosspremium = round($premiums['annualEAS'] * $ipt, 2); $cover->premium = $premiums['annualEAS']; $cover->netpremium = $premiums['netEAS']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } if ($this->isValidValue($premiums['netEABS'])) { $policyOptions .= 'emergencyassistancebahstandalone|'; $amountsCovered .= '0|'; $optionPremiums .= round($premiums['annualEABS'] / $mult, 2) . '|'; $cover->policyOptionID = 29; $cover->sumInsured = 0; $cover->grosspremium = round($premiums['annualEABS'] * $ipt, 2); $cover->premium = $premiums['annualEABS']; $cover->netpremium = $premiums['netEABS']; $cover->ipt = $cover->grosspremium - $cover->premium; $pItemHist->setItemHist($legacyQuote, $cover); } } // We also have to populate the POLICYVARIABLE table for MTA/Renewals *arrghghh* // NOTE: This code is seriously ugly due to time restraints. Intention is to re-write it // when we re-write the admin suites so we don't have to maintain horrible legacy systems! /* POLICY VARIABLES */ $policyVariables = array(); $policyNumber = $this->getPolicyNumber(); // Policy Risk Area - 1 $policyVariables[] = array('policyVariableDefID' => 1, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $premiums['riskAreas']['buildingsAreaID']); // No claims discount - 3 // Possible options 0=0, 1=1, 2=2, 3=3, 4=3+ $properties = $this->getProperties(); $ncbID = $properties[0]['no_claims_years_id']; $policyVariables[] = array('policyVariableDefID' => 3, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $ncbID - 1); // Managed property - 4 // Possible options 0=No, 1=Yes $policyVariables[] = array('policyVariableDefID' => 4, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $properties[0]['letting_agent_managed']); if ($this->hasProduct(self::BUILDING_COVER)) { // Year of Construction - 2 $policyVariables[] = array('policyVariableDefID' => 2, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $premiums['dsiData']['yearBuiltID']); // Buildings excess - 5 // Possible options 0=0, 1=100, 2=250, 3=500, 4=1000 $buildingExcessID = 0; $buildingMeta = $this->getProductMeta(self::BUILDING_COVER); $buildingExcess = $buildingMeta['excess']; switch ($buildingExcess) { case '0': $buildingExcessID = 0; break; case '100': $buildingExcessID = 1; break; case '250': $buildingExcessID = 2; break; case '500': $buildingExcessID = 3; break; case '1000': $buildingExcessID = 4; break; } $policyVariables[] = array('policyVariableDefID' => 5, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $buildingExcessID); } // Tenant type - 6 // Possible options // 0=Employed // 1=Self Employed // 2=Student // 3=Retired // 4=Unemployed // 5=Housing Authority // 6=Unknown // 7=Claiming Benefit $tenantTypeID = 7; // NOTE : This is the worst code I've EVER written Argghhh switch ($properties[0]['tenant_type_id']) { case 1: $tenantTypeID = 0; break; case 2: $tenantTypeID = 1; break; case 3: $tenantTypeID = 2; break; case 4: $tenantTypeID = 3; break; case 5: $tenantTypeID = 4; break; case 6: $tenantTypeID = 7; break; case 7: $tenantTypeID = 5; break; case 8: $tenantTypeID = 6; break; } $policyVariables[] = array('policyVariableDefID' => 6, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $tenantTypeID); // Contents area - 7 $policyVariables[] = array('policyVariableDefID' => 7, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $premiums['riskAreas']['contentsAreaID']); // Contents excess - 8 // Possible options 0=0, 1=100, 2=250, 3=500, 4=1000 if ($this->hasProduct(self::CONTENTS_COVER)) { $contentsMeta = $this->getProductMeta(self::CONTENTS_COVER); switch ($contentsMeta['excess']) { case '0': $buildingExcessID = 0; break; case '100': $buildingExcessID = 1; break; case '250': $buildingExcessID = 2; break; case '500': $buildingExcessID = 3; break; case '1000': $buildingExcessID = 4; break; } $policyVariables[] = array('policyVariableDefID' => 8, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $buildingExcessID); } // Building flood risk - 9 // Possible options 0=No, 1=Yes $policyVariables[] = array('policyVariableDefID' => 9, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $premiums['riskAreas']['floodArea'] == 0 ? 0 : 1); // Contents flood risk - 10 // Possible options 0=No, 1=Yes $policyVariables[] = array('policyVariableDefID' => 10, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $premiums['riskAreas']['floodArea'] == 0 ? 0 : 1); // Buildings cover over 500,000 - 11 // Possible options 0=No, 1=Yes $buildingValue = $premiums['rebuildValue'] > 0 ? $premiums['rebuildValue'] : $premiums['calculatedDSIValue']; $policyVariables[] = array('policyVariableDefID' => 11, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $buildingValue <= 500000 ? 0 : 1); // Years owned property - 12 // Possible options // 0 = 0 // 1 = 1 // 2 = 2 // 3 = 3 // 4 = 3+ $yearsOwnedID = $properties[0]['ownership_length_id']; $policyVariables[] = array('policyVariableDefID' => 12, 'policyNumber' => $policyNumber, 'timestamp' => date('Y-m-d h:i:s'), 'value' => $yearsOwnedID - 1); /********************/ // Save the policy variables $legacyPolicyVariables = new Datasource_Insurance_LandlordsPlus_Legacy_PolicyVariables(); $legacyPolicyVariables->save($policyVariables); } $legacyQuote->policyOptions = trim($policyOptions, '|'); $legacyQuote->amountsCovered = trim($amountsCovered, '|'); $legacyQuote->optionPremiums = trim($optionPremiums, '|'); $policyCover = new Datasource_Insurance_Policy_Cover(); $policyCover->populateFromLegacy($legacyQuote->policyNumber, $legacyQuote->policyOptions, $legacyQuote->amountsCovered, $legacyQuote->optionPremiums); $legacyQuoteDatasource = new Datasource_Insurance_LegacyQuotes(); $legacyQuoteDatasource->save($legacyQuote); if ($premiums != '' && $this->hasProduct(self::BUILDING_COVER)) { // We also need to populate the legacy SIVALUE table or MTA's & Renewals don't work :( $buildingMeta = $this->getProductMeta(self::BUILDING_COVER); $sivalueData = array(); $sivalueData['policynumber'] = $this->getPolicyNumber(); // If SI is derived siTypeID = 1, if it's manual then siTypeID = 2 if (isset($buildingMeta['rebuild_value']) && $buildingMeta['rebuild_value'] > 0) { $sivalueData['siTypeID'] = 2; $sivalueData['siValue'] = $premiums['rebuildValue']; } else { $sivalueData['siTypeID'] = 1; $sivalueData['siValue'] = $premiums['calculatedDSIValue']; } // policyOptionID is always 33 - Landlords Buildings+ $sivalueData['policyOptionID'] = 33; // startdate and enddate are entered here too! *sigh* $sivalueData['startdate'] = $this->getStartDate(); $sivalueData['enddate'] = $this->getEndDate(); // dsiArea $sivalueData['dsiArea'] = $premiums['dsiData']['areaID']; // dsiYearBuiltID $sivalueData['dsiYearBuiltID'] = $premiums['dsiData']['yearBuiltID']; // dsiPropertyTypeID $sivalueData['dsiPropertyTypeID'] = $premiums['dsiData']['dsiPropertyTypeID']; // dsiBedroomNumID $sivalueData['dsiBedroomNumID'] = $premiums['dsiData']['dsiBedroomQuantityID']; $siValueDatasource = new Datasource_Insurance_LandlordsPlus_Legacy_Sivalue(); $siValueDatasource->save($sivalueData); } }
/** * 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; }