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critical illness cover

Mobile insurance more popular than life insurance 14 November 2007
 

A study by Legal and General (L&G) has established that Brits are more prone to pay for mobile phone insurance than life insurance or critical illness cover. L&G’s study showed that 22% of people claimed to have mobile phone insurance, only 17% have critical illness cover and 14% have an income protection policy. 54% of those [...]

 
 
Tempus: Critical issue 02 July 2007
 

Critical illness cover is everything everyone hates about insurance. It's expensive and, just when you need it most, it doesn't pay out. Insurers refuse to honour one in every five critical illness claims, often blaming customers for failing to disclose medical information on their policy application form. Forgetting to tell an insurer of a visit to the doctor about a headache a few years ago can be enough for a policy to be invalidated. Such incidents explain why, despite all the cute nodding dogs and feel-good quote-me-happys, the insurance industry is finding it hard to convince the public that it has its best interests at heart.

 
 
Fewer illness claims turned down 01 January 0001
 

Standard Life has reported a sharp fall in the number of critical illness cover claims it turns down - It will be small comfort to one family left out to dry by the insurer

 
 
ASP.NET MVC Preview 5 and Form Posting Scenarios 02 September 2008
 

This past Thursday the ASP.NET MVC feature team published a new "Preview 5" release of the ASP.NET MVC framework.  You can download the new release here.  This "Preview 5" release works with both .NET 3.5 and the recently released .NET 3.5 SP1.  It can also now be used with both Visual Studio 2008 as well as (the free) Visual Web Developer 2008 Express SP1 edition (which now supports both class library and web application projects). Preview 5 includes a bunch of new features and refinements (these build on the additions in "Preview 4").  You can read detailed "Preview 5" release notes that cover changes/additions here.  In this blog post I'm going to cover one of the biggest areas of focus with this release: form posting scenarios.  You can download a completed version of the application I'll build below here. Basic Form Post with a Web MVC Pattern Let's look at a simple form post scenario - adding a new product to a products database:   The page above is returned when a user navigates to the "/Products/Create" URL in our application.  The HTML form markup for this page looks like below: The markup above is standard HTML.  We have two <input type="text"/> textboxes within a <form> element.  We then have an HTML submit button at the bottom of the form.  When pressed it will cause the form it is nested within to post the form inputs to the server.  The form will post the contents to the URL indicated by its "action" attribute - in this case "/Products/Save". Using the previous "Preview 4" release of ASP.NET we might have implemented the above scenario using a ProductsController class like below that implements two action methods - "Create" and "Save": The "Create" action method above is responsible for returning an html view that displays our initial empty form.  The "Save" action method then handles the scenario when the form is posted back to the server.  The ASP.NET MVC framework automatically maps the "ProductName" and "UnitPrice" form post values to the method parameters on the Save method with the same names.  The Save action then uses LINQ to SQL to create a new Product object, assigns its ProductName and UnitPrice values with the values posted by the end-user, and then attempts to save the new product in the database.  If the product is successfully saved, the user is redirected to a "/ProductsAdded" URL that will display a success message.  If there is an error we redisplay our "Create" html view again so that the user can fix the issue and retry. We could then implement a "Create" HTML view template like below that would work with the above ProductsController to generate the appropriate HTML.  Note below that we are using the Html.TextBox helper methods to generate the <input type="text"/> elements for us (and automatically populate their value from the appropriate property in our Product model object that we passed to the view): Form Post Improvements with Preview 5 The above code works with the previous "Preview 4" release, and continues to work fine with "Preview 5".  The "Preview 5" release, though, adds several additional features that will allow us to make this scenario even better.  These new features include: The ability to publish a single action URL and dispatch it differently depending on the HTTP Verb Model Binders that allow rich parameter objects to be constructed from form input values and passed to action methods Helper methods that enable incoming form input values to be mapped to existing model object instances within action methods Improved support for handling input and validation errors (for example: automatically highlighting bad fields and preserving end-user entered form values when the form is redisplayed to the user) I'll use the remainder of this blog post to drill into each of these scenarios. [AcceptVerbs] and [ActionName] attributes In our sample above we implemented our product add scenario across two action methods: "Create" and "Save".  One motivation for partitioning the implementation like this is that it makes our Controller code cleaner and easier to read. The downside to using two actions in this scenario, though, is that we end up publishing two URLs from our site: "/Products/Create" and "/Products/Save".  This gets problematic in scenarios where we need to redisplay the HTML form because of an input error - since the URL of the redisplayed form in the error scenario will end up being "/Products/Save" instead of "/Products/Create" (because "Save" that was the URL the form was posted to).  If an end-user adds this redisplayed page to their browser favorites, or copy/pastes the URL and emails it to a friend, they will end up saving the wrong URL - and will likely have an error when they try and access it later.  Publishing two URLs can also cause problems with some search engines if your site is crawled and they attempt to automatically traverse your action attributes. One way to work around these issues is to publish a single "/Products/Create" URL, and then have different server logic depending on whether it is a GET or POST request.  One common approach used to-do this with other web MVC frameworks is to simply have a giant if/else statement within the action method and branch accordingly: The downside with the above approach, though, is that it can make the action implementation harder to read, as well as harder to test.  ASP.NET MVC "Preview 5" now offers a better option to handle this scenario.  You can create overloaded implementations of action methods, and use a new [AcceptVerbs] attribute to have ASP.NET MVC filter how they are dispatched.  For example, below we can declare two Create action methods - one that will be called in GET scenarios, and one that will be called in POST scenarios: This approach avoids the need for giant "if/else" statement within your action methods, and enables a cleaner structuring of your action logic.  It also eliminates the need to mock the Request object in order to test these two different scenarios. You can also optionally now use a new [ActionName] attribute to allow the method name implementation on your controller class to be different than that from the published URL.  For example, if rather than having two overloaded Create methods in your controller you instead wanted to have the POST method be named "Save", you could apply the [ActionName] attribute to it like so: Above we have the same controller method signature (Create and Save) that we had in our initial form post sample.  The difference, though, is that we are now publishing a single URL (/Products/Create) and are automatically varying the handling based on the incoming HTTP verb (and so are browser favorites and search engine friendly). Model Binders In our sample above the signature of the Controller action method that handles the form-post takes a String and a Decimal as method arguments.  The action method then creates a new Product object, assigns these input values to it, and then attempts to insert it into the database: One of the new capabilities in "Preview 5" that can make this scenario cleaner is its "Model Binder" support.  Model Binders provide a way for complex types to be de-serialized from the incoming HTTP input, and passed to a Controller action method as arguments.  They also provide support for handling input exceptions, and make it easier to redisplay forms when errors occur (without requiring the end-user to have to re-enter all their data again - more on this later in this blog post).  For example, using the model binder support we could re-factor the above action method to instead take a Product object as an argument like so: This makes the code a little more terse and clean.  It also allows us to avoid having repetitive form-parsing code scattered across multiple controllers/actions (allowing us to maintain the DRY principle: "don't repeat yourself"). Registering Model Binders Model Binders in ASP.NET MVC are classes that implement the IModelBinder interface, and can be used to help manage the binding of types to input parameters.  A model binder can be written to work against a specific object type, or can alternatively be used to handle a broad range of types. The IModelBinder interface allows you to unit test binders independent of the web-server or any specific controller implementation. Model Binders can be registered at 4 different levels within an ASP.NET MVC application, which enables a great deal of flexibility in how you use them:  1) ASP.NET MVC first looks for the presence of a model binder declared as a parameter attribute on an action method.  For example, we could indicate that we wanted to use a hypothetical "Bind" binder by annotating our product parameter using an attribute like below (note how we are indicating that only two properties should be bound using a parameter on the attribute): Note: "Preview 5" doesn't have a built-in [Bind] attribute like above just yet (although we are considering adding it as a built-in feature of ASP.NET MVC in the future).  However all of the framework infrastructure necessary to implement a [Bind] attribute like above is now implemented in preview 5. The open source MVCContrib project also has a DataBind attribute like above that you can use today. 2) If no binder attribute is present