/**
* @inheritdoc
*/
public function populateByPolicyNumber($policyNumber)
{
$this->isNewApplication = false;
$legacyApplication = $this->application->getByPolicyNumber($policyNumber);
if ($legacyApplication) {
// Body retrieved. now retrieve RRP specifics
$this->appData->setFromLegacy($legacyApplication);
$this->lliData = $this->llInterest->getLandlordInterest($legacyApplication->policyNumber);
$this->rrpData = $this->rrp->getRentRecoveryPlus($legacyApplication->policyNumber);
$this->rrpTenantReferenceData = $this->rrpTenantReference->getRrpTenantReferencesForPolicy($policyNumber);
/** @var RentRecoveryPlusAnswers $underwriting */
$underwriting = UnderwritingDecoratorFactory::getDecorator(UnderwritingDecoratorFactory::UNDERWRITING_RENT_RECOVERY_PLUS, $this->container->get('rrp.config.underwriting_question_set_id'), $this->appData->getIssueDate(), $this->appData->getPolicyNumber());
$this->underwritingAnswers = $underwriting->getAllAnswers();
return true;
}
return false;
}
/**
* @inheritdoc
*/
public function create($policy, $mta, $premium, $quote, $ipt, $nilExcessOption)
{
$this->legacyMtaData->setPolicyNumber($policy->getAppData()->getPolicyNumber());
$now = new \DateTime();
$isNilExcess = PolicyOptionsManager::isOptionSet($policy->getAppData()->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $policy->getAppData()->getAmountsCovered());
$proRataCalcs = new ProRataCalculations($mta->getPolicyStartedAt(), $mta->getMtaEffectiveAt());
$premiumAdjustment = $proRataCalcs->getAdjustment($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $premium, $policy->getAppData()->getPremium());
$quoteAdjustment = $proRataCalcs->getAdjustment($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $quote, $policy->getAppData()->getQuote());
$iptAdjustment = $proRataCalcs->getAdjustment($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $ipt, $policy->getAppData()->getIpt());
$amountToPay = $quoteAdjustment;
$monthsRemaining = $proRataCalcs->getMonthsRemaining($policy->getAppData()->getPolicyLength());
$policyOptions = PolicyOptionsManager::addPolicyOption($this->container->get('rrp.legacy.const.policy_option_rrp'));
$amountsCovered = PolicyOptionsManager::addPolicyOption($mta->getPropertyRental());
$policyOptionPremium = PolicyOptionsManager::getOption($policy->getAppData()->getPolicyOptions(), $this->container->get('rrp.legacy.const.policy_option_rrp'), $policy->getAppData()->getOptionPremiums());
$policyOptionNilExcess = 0.0;
if ($isNilExcess) {
$policyOptionNilExcess = PolicyOptionsManager::getOption($policy->getAppData()->getPolicyOptions(), $this->container->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $policy->getAppData()->getOptionPremiums());
}
$policyOptionAdjustment = $proRataCalcs->getAdjustment($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $premium - $nilExcessOption, $policyOptionPremium);
$optionPremiums = PolicyOptionsManager::addPolicyOption($policyOptionAdjustment);
if ($isNilExcess) {
$nilExcessAdjustment = $proRataCalcs->getAdjustment($policy->getAppData()->getPolicyLength(), $policy->getAppData()->getPolicyLength(), $nilExcessOption, $policyOptionNilExcess);
$policyOptions = PolicyOptionsManager::addPolicyOption($this->container->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $policyOptions);
$amountsCovered = PolicyOptionsManager::addPolicyOption($mta->getPropertyRental(), $amountsCovered);
$optionPremiums = PolicyOptionsManager::addPolicyOption($nilExcessAdjustment, $optionPremiums);
}
$this->legacyMtaData->setPolicyOptions($policyOptions)->setAmountsCovered($amountsCovered)->setOptionPremiums($optionPremiums)->setDateAdded($now->format('Y-m-d'))->setStatus('pending')->setPremium($premiumAdjustment)->setQuote($quoteAdjustment)->setIpt($iptAdjustment)->setAmountToPay($amountToPay)->setMonthsRemaining($monthsRemaining)->setAdminCharge(0.0)->setPropAddress1('')->setPropAddress3('')->setPropAddress5('')->setPropPostcode('')->setRiskArea('')->setRiskAreaB('')->setChangeCorrespondenceAndPersonal('')->setParagonMortgageNumber('');
$propertyRental = PolicyOptionsManager::getOption($policy->getAppData()->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp'), $policy->getAppData()->getAmountsCovered());
$notes = $now->format('d/m/Y') . "\n" . "MTA by Agent via Connect\n";
if ($mta->getPropertyRental() != $propertyRental) {
$notes .= "Property rental changed from £" . round($propertyRental, 2) . " to £" . round($mta->getPropertyRental(), 2) . "\n";
}
$referral = new RentRecoveryPlusReferral();
$referral->setFromMta($mta, $premium);
if ($referral->isReferralRequired()) {
$notes .= "\nThis policy has been referred for the following reason(s)\n\n" . implode("\n", $referral->getReferralReason());
}
$this->legacyMtaData->SetDisplayNotes($notes);
$endTime = new \DateTime($policy->getAppData()->getEndDate());
$monthsRemaining = (int) $endTime->format('m') - (int) $now->format('m');
if ($monthsRemaining < 0) {
$monthsRemaining += 13;
} else {
$monthsRemaining += 1;
}
$this->legacyMtaData->setMonthsRemaining($monthsRemaining)->setPaidNet('no')->setDateAdded($now->format('Y-m-d'))->setDateOnRisk($mta->getMtaEffectiveAt())->setDateOffRisk(null);
/** @var RentRecoveryPlusAnswers $underwriting */
$underwriting = UnderwritingDecoratorFactory::getDecorator(UnderwritingDecoratorFactory::UNDERWRITING_RENT_RECOVERY_PLUS, $this->container->get('rrp.config.underwriting_question_set_id'), $now->format('Y-m-d'), $policy->getAppData()->getPolicyNumber());
$underwritingAnswers[RentRecoveryPlusAnswers::QUESTION_ID_CONTINUATION] = null;
$underwritingAnswers[RentRecoveryPlusAnswers::QUESTION_ID_RENT_IN_ADVANCE] = null;
$underwritingAnswers[RentRecoveryPlusAnswers::QUESTION_ID_CLAIM_CIRCUMSTANCES] = $mta->getHasPossibleClaimCircumstances();
$underwritingAnswers[RentRecoveryPlusAnswers::QUESTION_ID_PERMITTED_OCCUPIERS] = $mta->getHasPermittedOccupiersOnly();
$underwritingAnswers[RentRecoveryPlusAnswers::QUESTION_ID_TENANCY_DISPUTES] = $mta->getHasTenancyDisputes();
$underwritingAnswers[RentRecoveryPlusAnswers::QUESTION_ID_TENANCY_AST] = TenancyAgreementTypes::isAssuredShortholdTenancy($mta->getTenancyAgreementType());
$underwritingAnswers[RentRecoveryPlusAnswers::QUESTION_ID_DEPOSIT_SUFFICIENT] = $mta->getIsDepositSufficient();
$underwritingAnswers[RentRecoveryPlusAnswers::QUESTION_ID_PRIOR_CLAIMS] = $mta->getHasPriorClaims();
$underwriting->setAnswers($underwritingAnswers)->saveAnswers();
$mtaID = $this->legacyMta->create($this->legacyMtaData);
if ($mtaID) {
if ($this->rrpMta->create($mta, $mtaID)) {
return $mtaID;
}
}
return false;
}
/**
* Renew a policy from the 'temporary' insight_rrp_policy to the policy table
*
* @param string $rrpPolicyNumber
* @param string $newPolicyNumber
* @param string $termNumber
* @return bool
* @throws \RuntimeException
*/
public function migratePolicy($rrpPolicyNumber, $newPolicyNumber, $termNumber)
{
if ($this->policyNumberManager->isRentRecoveryPlusInsightPolicy($rrpPolicyNumber)) {
$this->setPolicyNumber($newPolicyNumber);
$disbData = $this->disbursement->getDisbursement($this->appData->getWhiteLabelID(), $this->appData->getRateSetID());
if (!$disbData) {
$message = sprintf('Disbursement data not found (WhiteLabelId = %s, RateSetID = %d)', $this->appData->getWhiteLabelID(), $this->appData->getRateSetID());
throw new \RuntimeException($message);
}
$getter = sprintf('getRrpi%s%dm', ReferenceTypes::isFullReference($this->rrpData->getReferenceType()) ? 'FullRef' : 'CreditCheck', $this->appData->getPolicyLength());
if (PolicyOptionsManager::isOptionSet($this->appData->getPolicyOptions(), $this->container->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $this->appData->getAmountsCovered())) {
$getter .= '0xs';
}
if (!method_exists($disbData, $getter)) {
$message = sprintf('Unknown disbursement type (%s)', $getter);
throw new \RuntimeException($message);
}
$disbursement = $disbData->{$getter}();
if (empty($disbursement)) {
$message = sprintf('Disbursement data not set (WhiteLabelId = %s, RateSetID = %d, %s)', $this->appData->getWhiteLabelID(), $this->appData->getRateSetID(), $getter);
throw new \RuntimeException($message);
}
$propertyRental = PolicyOptionsManager::getOption($this->appData->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp'), $this->appData->getAmountsCovered());
if ($propertyRental < RentRecoveryPlus::BAND_A_LIMIT) {
$band = $disbData::BAND_A;
} else {
$band = $disbData::BAND_B;
}
$insuranceNetAmount = $disbData->extractBandDisbursement($disbursement, $band);
// Policy Term
$termId = $this->policyTerm->updatePolicyTerm($this->appData, $termNumber, array('netPremium' => $insuranceNetAmount, 'collectedPremium' => $this->appData->premium));
if ($termId) {
// Write the policy to the datasource
$this->getAppData()->setStatus($this->container->get('rrp.legacy.const.status_policy'))->setTermId($termId);
$legacyPolicy = $this->container->get('rrp.legacy.datasource.policy');
$legacyPolicy->save($this->appData);
// Delete the legacy insight record.
$policyConstType = $this->container->get('rrp.legacy.const.quote_policy_number');
$this->application->remove(array($policyConstType => $rrpPolicyNumber));
$insightStatusIas = $this->container->get('rrp.legacy.const.insight_status_ias');
// Now move the RRP / LL Interest parts
if ($this->rrp->accept($rrpPolicyNumber, $newPolicyNumber, $insightStatusIas)) {
if ($this->llInterest->accept($rrpPolicyNumber, $newPolicyNumber)) {
/** @var RentRecoveryPlusAnswers $underwriting */
$underwriting = UnderwritingDecoratorFactory::getDecorator(UnderwritingDecoratorFactory::UNDERWRITING_RENT_RECOVERY_PLUS, $this->container->get('rrp.config.underwriting_question_set_id'), $this->appData->getIssueDate(), $rrpPolicyNumber);
$answers = $underwriting->getAllAnswers();
$answers[RentRecoveryPlusAnswers::QUESTION_ID_RENT_IN_ADVANCE] = true;
$answers[RentRecoveryPlusAnswers::QUESTION_ID_PRIOR_CLAIMS] = false;
$answers[RentRecoveryPlusAnswers::QUESTION_ID_DEPOSIT_SUFFICIENT] = true;
$underwriting->setAnswers($answers)->saveAnswers()->changeQuoteToPolicy($newPolicyNumber);
$coverOptions = array();
foreach ($this->appData->getValidPolicyOptionNames() as $optionName) {
if (PolicyOptionsManager::isOptionSet($this->appData->getPolicyOptions(), $optionName, $this->appData->getAmountsCovered())) {
$optionId = $this->policyOptions->fetchOptionsByName($optionName);
$sumInsured = PolicyOptionsManager::getOption($this->appData->getPolicyOptions(), $optionName, $this->appData->getAmountsCovered());
$premium = PolicyOptionsManager::getOption($this->appData->getPolicyOptions(), $optionName, $this->appData->getOptionPremiums());
$coverOptions[] = array('policyNumber' => $newPolicyNumber, 'policyOptionID' => $optionId, 'sumInsured' => $sumInsured, 'premium' => $premium);
}
}
$this->policyCover->setCover($newPolicyNumber, $coverOptions);
return $newPolicyNumber;
}
}
}
}
return false;
}
/**
* Accept the quote and change it to a policy
*
* @param string $quoteNumber
* @return null|string
* @throws \RuntimeException
*/
public function acceptQuote($quoteNumber)
{
/** @var \Manager_Core_PolicyNumber $policyNumberManager */
$policyNumberManager = $this->getContainer()->get('rrp.legacy.manager.policy_number');
if ($policyNumberManager->isRentRecoveryPlusQuote($quoteNumber)) {
$this->isNewApplication = false;
$policyNumber = $policyNumberManager::convertQuoteToPolicyNumber($quoteNumber);
if ($this->populateByPolicyNumber($quoteNumber)) {
//Set the issueDate and timecompleted fields (which oddly record the same value but
// in different formats).
$timeCompleted = time();
$issueDate = new \DateTime();
$issueDate->setTimestamp($timeCompleted);
$this->setPolicyNumber($policyNumber)->appData->setStatus($this->getContainer()->get('rrp.legacy.const.status_policy'))->setPayStatus($this->getContainer()->get('rrp.legacy.const.pay_status_up-to-date'))->setIssueDate($issueDate)->setTimeCompleted($timeCompleted);
$disbData = $this->disbursement->getDisbursement($this->appData->getWhiteLabelID(), $this->appData->getRateSetID());
if (!$disbData) {
$message = sprintf('Disbursement data not found (WhiteLabelId = %s, RateSetID = %d)', $this->appData->getWhiteLabelID(), $this->appData->getRateSetID());
throw new \RuntimeException($message);
}
$getter = sprintf('getRrpi%s%dm', ReferenceTypes::isFullReference($this->rrpData->getReferenceType()) ? 'FullRef' : 'CreditCheck', $this->appData->getPolicyLength());
if (PolicyOptionsManager::isOptionSet($this->appData->getPolicyOptions(), $this->container->get('rrp.legacy.const.policy_option_rrp-nilexcess'), $this->appData->getAmountsCovered())) {
$getter .= '0xs';
}
if (!method_exists($disbData, $getter)) {
$message = sprintf('Unknown disbursement type (%s)', $getter);
throw new \RuntimeException($message);
}
$disbursement = $disbData->{$getter}();
if (empty($disbursement)) {
$message = sprintf('Disbursement data not set (WhiteLabelId = %s, RateSetID = %d, %s)', $this->appData->getWhiteLabelID(), $this->appData->getRateSetID(), $getter);
throw new \RuntimeException($message);
}
$propertyRental = PolicyOptionsManager::getOption($this->appData->getPolicyOptions(), $this->getContainer()->get('rrp.legacy.const.policy_option_rrp'), $this->appData->getAmountscovered());
if ($propertyRental < RentRecoveryPlus::BAND_A_LIMIT) {
$band = $disbData::BAND_A;
$transBand = RentRecoveryPlus::BAND_A;
} else {
$band = $disbData::BAND_B;
$transBand = RentRecoveryPlus::BAND_B;
}
$insuranceNetAmount = $disbData->extractBandDisbursement($disbursement, $band);
$termId = $this->policyTerm->insertPolicyTerm($this->appData, $insuranceNetAmount);
if ($termId) {
$policy = $this->container->get('rrp.legacy.datasource.policy');
if ($policy->save($this->appData)) {
//Delete the legacy quote.
$policyConstType = $this->container->get('rrp.legacy.const.quote_policy_number');
$this->application->remove(array($policyConstType => $quoteNumber));
// Now move the RRP / LL Interest parts
if ($this->rrp->accept($quoteNumber, $policyNumber)) {
if ($this->rrpTenantReference->accept($quoteNumber, $policyNumber, $termId)) {
if ($this->llInterest->accept($quoteNumber, $policyNumber)) {
$this->policyNotes->changeQuoteToPolicy($quoteNumber, $policyNumber);
$transaction = TransactionDecoratorFactory::getDecorator(TransactionDecoratorFactory::TRANSACTION_ADD, $this->getAppData()->getPremium(), $insuranceNetAmount, $termId, 0, $transBand, $this->appData->getStartDate(), $this->appData);
$transaction->processAllTransactions();
$underwriting = UnderwritingDecoratorFactory::getDecorator(UnderwritingDecoratorFactory::UNDERWRITING_RENT_RECOVERY_PLUS, $this->container->get('rrp.config.underwriting_question_set_id'), $this->appData->getIssueDate(), $quoteNumber);
$underwriting->changeQuoteToPolicy();
/** @var \Datasource_Insurance_Policy_Cover $policyCover */
$policyCover = $this->container->get('rrp.legacy.datasource.policy_cover');
$policyCover->changeQuoteToPolicy($quoteNumber, $policyNumber);
return $policyNumber;
}
}
}
}
}
}
}
return null;
}