/// <summary>
/// Calculates the premium that belongs to the passed policy.
/// </summary>
/// <param name="policy">The policy for which the premium should be calculated.</param>
/// <returns>The calculated policy premium. Returns -1 if policy is declined.</returns>
public decimal CalculatePremium(Policy policy)
{
if (DetermineIfPolicyShouldBeDeclined(policy).PolicyDeclined)
{
return -1;
}
var currentPremium = Basepremium;
OccupationCalculation(ref currentPremium, policy.Drivers);
var youngestDriver = policy.Drivers.OrderByDescending(o => o.DateOfBirth).First();
AgeCalculation(ref currentPremium, youngestDriver.DateOfBirth, policy.StartDate);
var allClaims = new List<Claim>();
foreach (var driver in policy.Drivers)
{
if (driver.Claims != null)
{
allClaims.AddRange(driver.Claims);
}
}
if (allClaims.Count > 0)
{
ClaimCalculation(ref currentPremium, allClaims, policy.StartDate);
}
return currentPremium;
}
/// <summary>
/// Initializes a couple of policies, each with different details.
/// </summary>
public PremiumCalculationServiceTests()
{
_premiumCalculationService = new PremiumCalculationService();
_policy1 = new Policy
{
StartDate = DateTime.Today.AddDays(-1),
Drivers = new List<Driver>
{
new Driver
{
Name = "Carlo",
DateOfBirth = new DateTime(1991, 1, 12),
Occupation = Occupation.Accountant
}
}
};
_policy2 = new Policy
{
StartDate = DateTime.Today.AddDays(1),
Drivers = new List<Driver>
{
new Driver
{
Name = "Carlo",
DateOfBirth = new DateTime(1998, 1, 12),
Occupation = Occupation.Accountant
}
}
};
_policy3 = new Policy
{
StartDate = DateTime.Today.AddDays(1),
Drivers = new List<Driver>
{
new Driver
{
Name = "Carlo",
DateOfBirth = new DateTime(1925, 1, 12),
Occupation = Occupation.Accountant
}
}
};
_policy4 = new Policy
{
StartDate = DateTime.Today.AddDays(1),
Drivers = new List<Driver>
{
new Driver
{
Name = "Carlo",
DateOfBirth = new DateTime(1991, 1, 12),
Occupation = Occupation.Accountant,
Claims = new List<Claim>()
{
new Claim
{
ClaimDate = new DateTime(2015, 7, 21)
},
new Claim
{
ClaimDate = new DateTime(2015, 8, 28)
}
,
new Claim
{
ClaimDate = new DateTime(2014, 8, 28)
}
}
}
}
};
_policy5 = new Policy
{
StartDate = DateTime.Today.AddDays(1),
Drivers = new List<Driver>
{
new Driver
{
Name = "Carlo",
DateOfBirth = new DateTime(1991, 1, 12),
Occupation = Occupation.Accountant,
Claims = new List<Claim>()
{
new Claim
{
ClaimDate = new DateTime(2015, 7, 21)
},
new Claim
{
ClaimDate = new DateTime(2015, 8, 28)
}
}
},
new Driver
{
Name = "Nicky",
DateOfBirth = new DateTime(1992, 2, 24),
Occupation = Occupation.Chauffeur,
Claims = new List<Claim>
{
new Claim
{
ClaimDate = new DateTime(2015, 12, 12)
},
new Claim
{
ClaimDate = new DateTime(2015, 8, 28)
}
}
}
}
};
_policy6 = new Policy
{
StartDate = DateTime.Today.AddDays(1),
Drivers = new List<Driver>
{
new Driver
{
Name = "Carlo",
DateOfBirth = new DateTime(1991, 1, 12),
Occupation = Occupation.Accountant,
Claims = new List<Claim>()
{
new Claim
{
ClaimDate = DateTime.Today.AddYears(-1).AddMonths(-1)
},
new Claim
{
ClaimDate = DateTime.Today.AddYears(-1).AddMonths(1)
}
}
},
new Driver
{
Name = "Nicky",
DateOfBirth = new DateTime(1992, 2, 24),
Occupation = Occupation.Chauffeur,
Claims = new List<Claim>
{
new Claim
{
ClaimDate = DateTime.Today.AddYears(-1).AddMonths(6)
}
}
},
new Driver
{
Name = "Roy",
DateOfBirth = new DateTime(1994, 5, 23),
Occupation = Occupation.Chauffeur
}
}
};
_policy7 = new Policy
{
StartDate = DateTime.Today.AddDays(1),
Drivers = new List<Driver>
{
new Driver
{
Name = "Carlo",
DateOfBirth = new DateTime(1985, 1, 12),
Occupation = Occupation.Accountant,
Claims = new List<Claim>()
{
new Claim
{
ClaimDate = DateTime.Today.AddYears(-1).AddMonths(-1)
},
new Claim
{
ClaimDate = DateTime.Today.AddYears(-1).AddMonths(1)
}
}
}
}
};
}
/// <summary>
/// Determines if a policy should be declined.
/// </summary>
/// <param name="policy">The policy which should be accepted or declined.</param>
/// <returns>A policy decline object containing whether it was declined or not including the reason.</returns>
public PolicyDecline DetermineIfPolicyShouldBeDeclined(Policy policy)
{
if (policy.StartDate < DateTime.Today)
{
return new PolicyDecline
{
PolicyDeclined = true,
PolicyDeclineReason = PolicyDeclineReason.StartDateBeforeCurrentDate
};
}
var youngestDriver = policy.Drivers.OrderByDescending(o => o.DateOfBirth).First();
if (AgeCalculationHelper.DetermineAgeOnDate(youngestDriver.DateOfBirth, policy.StartDate) < 21)
{
return new PolicyDecline
{
PolicyDeclined = true,
PolicyDeclineReason = PolicyDeclineReason.YoungestDriverTooYoung
};
}
var oldestDriver = policy.Drivers.OrderBy(o => o.DateOfBirth).First();
if (AgeCalculationHelper.DetermineAgeOnDate(oldestDriver.DateOfBirth, policy.StartDate) > 75)
{
return new PolicyDecline
{
PolicyDeclined = true,
PolicyDeclineReason = PolicyDeclineReason.OldestDriverTooOld
};
}
var totalClaims = 0;
foreach (var driver in policy.Drivers)
{
if (driver.Claims != null)
{
if (driver.Claims.Count > 2)
{
return new PolicyDecline
{
PolicyDeclined = true,
PolicyDeclineReason = PolicyDeclineReason.SingleDriverMoreThanTwoClaims
};
}
totalClaims += driver.Claims.Count;
if (totalClaims > 3)
{
return new PolicyDecline
{
PolicyDeclined = true,
PolicyDeclineReason = PolicyDeclineReason.TotalMoreThanThreeClaims
};
}
}
}
return new PolicyDecline
{
PolicyDeclined = false
};
}
