feat: improved mutability checks for personal data in edit or create mode

src/BusProNet/Model/Insurance.php

@@ -16,6 +16,15 @@ use Symfony\Component\Serializer\Normalizer\DateTimeNormalizer;
  */
 class Insurance
 {
+    /**
+     * Special ID for the synthetic "no insurance" option.
+     *
+     * This option is injected into the insurance selection list to force explicit user choice
+     * for legal compliance. When selected, it satisfies validation requirements but transmits
+     * no insurance data to the BPN API.
+     */
+    public const NO_INSURANCE_ID = '0';
+
     #[Groups(['api:single', 'api:list'])]
     public ?string $id = null;
 
@@ -180,4 +189,17 @@ class Insurance
 
         return array_values(array_unique($urls));
     }
+
+    /**
+     * Checks if this is the synthetic "no insurance" option.
+     *
+     * The "no insurance" option is a UI construct used to force explicit user choice.
+     * It should be excluded from BPN API transmission.
+     *
+     * @return bool True if this is the "no insurance" option
+     */
+    public function isNoInsurance(): bool
+    {
+        return self::NO_INSURANCE_ID === $this->id;
+    }
 }