/**
* Gets the number of sharers allowed.
*
* Method which returns the number of sharers that are permitted
* given a specified cover amount.
*
* @param Zend_Currency $coverAmount
* The main cover amount on the TCI+ policy.
*
* @return integer
* Returns the number of sharers allowed on the $coverAmount given.
*/
public function getNoOfSharersAllowed($coverAmount)
{
$params = Zend_Registry::get('params');
//Read in the lower contents bands.
$bandLower = array();
$bandLower[] = new Zend_Currency(array('value' => $params->sharers->band0->lower, 'precision' => 0));
$bandLower[] = new Zend_Currency(array('value' => $params->sharers->band1->lower, 'precision' => 0));
$bandLower[] = new Zend_Currency(array('value' => $params->sharers->band2->lower, 'precision' => 0));
$bandLower[] = new Zend_Currency(array('value' => $params->sharers->band3->lower, 'precision' => 0));
//Read in the upper contents bands.
$bandUpper = array();
$bandUpper[] = new Zend_Currency(array('value' => $params->sharers->band0->upper, 'precision' => 0));
$bandUpper[] = new Zend_Currency(array('value' => $params->sharers->band1->upper, 'precision' => 0));
$bandUpper[] = new Zend_Currency(array('value' => $params->sharers->band2->upper, 'precision' => 0));
$bandUpper[] = new Zend_Currency(array('value' => $params->sharers->band3->upper, 'precision' => 0));
$numberPermitted = array();
$numberPermitted[] = $params->sharers->numberPermitted->band0;
$numberPermitted[] = $params->sharers->numberPermitted->band1;
$numberPermitted[] = $params->sharers->numberPermitted->band2;
$numberPermitted[] = $params->sharers->numberPermitted->band3;
//Zero sharers by default until the cover amount is understood.
$returnVal = 0;
for ($i = 0; $i < count($bandLower); $i++) {
$bandFound = false;
if ($coverAmount->isMore($bandLower[$i]) && $coverAmount->isLess($bandUpper[$i])) {
$bandFound = true;
} else {
if ($coverAmount->equals($bandLower[$i]) || $coverAmount->equals($bandUpper[$i])) {
$bandFound = true;
}
}
if ($bandFound) {
$returnVal = $numberPermitted[$i];
break;
}
}
return $returnVal;
}
/**
* Identifies if the previous claims will force a referral.
*
* @param string $refNo
* The unique legacy customer reference number.
*
* @return mixed
* Returns an array of referral reasons. If there are no referral reasons,
* then will return null.
*/
protected function _checkPreviousClaims($refNo)
{
$previousClaimsReferralReasons = array();
if (empty($this->_previousClaimsModel)) {
$this->_previousClaimsModel = new Datasource_Insurance_PreviousClaims();
}
$previousClaimsArray = $this->_previousClaimsModel->getPreviousClaims($refNo);
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' => $params->uw->rt->portfolio->claimsThreshold, 'precision' => 2));
if ($claimsTotal->isMore($claimsThreshold)) {
$previousClaimsReferralReasons[] = $params->uw->rr->portfolio->previousClaims;
}
}
//Return the results consistent with this method's contract.
if (empty($previousClaimsReferralReasons)) {
$returnVal = null;
} else {
$returnVal = $previousClaimsReferralReasons;
}
return $returnVal;
}
/**
* IsMore values
*/
public function testIsMoreValues()
{
$currency = new Zend_Currency(array('currency' => 'EUR', 'locale' => 'de_AT', 'value' => 100));
$currency2 = new Zend_Currency(array('currency' => 'EUR', 'locale' => 'de_AT', 'value' => 100));
$this->assertFalse($currency->isMore($currency2));
$currency3 = new Zend_Currency(array('currency' => 'EUR', 'locale' => 'de_AT', 'value' => 99));
$this->assertTrue($currency->isMore($currency3));
}
/**
* Identifies if the previous claims will force a referral.
*
* @param string $refNo
* The unique legacy customer reference number.
*
* @return mixed
* Returns an array of referral reasons. If there are no referral reasons,
* then will return null.
*/
protected function _checkPreviousClaims($quoteId)
{
$params = Zend_Registry::get('params');
$quoteManager = new Manager_Insurance_LandlordsPlus_Quote($quoteId);
$refNo = $quoteManager->getLegacyCustomerReference();
//Identify if buildings/contents cover is applicable for this policy, and if yes then
//retrieve the excess values.
$productMeta = $quoteManager->getProductMeta(Manager_Insurance_LandlordsPlus_Quote::BUILDING_COVER);
if (!empty($productMeta)) {
$isBuildingsCoverApplicable = true;
$buildingsExcess = new Zend_Currency(array('value' => $productMeta['excess'], 'precision' => 2));
} else {
$isBuildingsCoverApplicable = false;
}
$productMeta = $quoteManager->getProductMeta(Manager_Insurance_LandlordsPlus_Quote::CONTENTS_COVER);
if (!empty($productMeta)) {
$isContentsCoverApplicable = true;
$contentsExcess = new Zend_Currency(array('value' => $productMeta['excess'], 'precision' => 2));
} else {
$isContentsCoverApplicable = false;
}
$previousClaimsReferralReasons = array();
//Retrieve the previous claims details, if any.
if (empty($this->_previousClaimsModel)) {
$this->_previousClaimsModel = new Datasource_Insurance_PreviousClaims();
}
$previousClaimsArray = $this->_previousClaimsModel->getPreviousClaims($refNo);
if (empty($previousClaimsArray)) {
return null;
}
//First test to see if the total value of previous claims exceed the threshold.
$claimsTotal = new Zend_Currency(array('value' => 0, 'precision' => 2));
foreach ($previousClaimsArray as $previousClaim) {
$claimsTotal->add($previousClaim->getClaimValue());
}
$claimsThreshold = new Zend_Currency(array('value' => $params->uw->rt->landlordsp->claimsThreshold, 'precision' => 2));
if ($claimsTotal->isMore($claimsThreshold)) {
$previousClaimsReferralReasons[] = $params->uw->rr->landlordsp->claimsThreshold;
}
//Next text for multiple claims of the same type.
$claimTypeIds = array();
$matchFound = false;
foreach ($previousClaimsArray as $previousClaim) {
if (empty($claimTypeIds)) {
$claimTypeIds[] = $previousClaim->getClaimType()->getClaimTypeID();
continue;
}
//Compare the current ID against the other ids.
foreach ($claimTypeIds as $currentId) {
if ($currentId == $previousClaim->getClaimType()->getClaimTypeID()) {
$matchFound = true;
break;
}
}
if ($matchFound) {
//More than one type of claim of the same loss, so this will need referral.
$previousClaimsReferralReasons[] = $params->uw->rr->landlordsp->multipleSameTypeClaim;
break;
}
}
//Next test for more than one claim, and £0 or £100 excess requested.
$excessAmountsWhichRefer = $params->uw->rt->landlordsp->excessAmounts->toArray();
if (count($previousClaimsArray) > 1) {
if ($isBuildingsCoverApplicable) {
foreach ($excessAmountsWhichRefer as $excessAmount) {
if ($buildingsExcess->compare($excessAmount) == 0) {
$previousClaimsReferralReasons[] = $params->uw->rr->landlordsp->buildings->excessReduction;
break;
}
}
}
if ($isContentsCoverApplicable) {
foreach ($excessAmountsWhichRefer as $excessAmount) {
if ($contentsExcess->compare($excessAmount) == 0) {
$previousClaimsReferralReasons[] = $params->uw->rr->landlordsp->contents->excessReduction;
break;
}
}
}
}
//Return the results consistent with this method's contract.
if (empty($previousClaimsReferralReasons)) {
$returnVal = null;
} else {
$returnVal = $previousClaimsReferralReasons;
}
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;
}
