SBS SOAT, CAT and Vehicle Insurance Report

Reports a vehicle plate’s insurance record from SBS (Superintendencia de Banca, Seguros y AFP), Peru’s banking and insurance regulator, across its three reports: SOAT (mandatory traffic-accident insurance), CAT (the certificate AFOCATs issue to public transport vehicles) and Seguro Vehicular (private vehicle insurance). For each one it returns the siniestralidad (accidents covered in the last 5 years) and every policy or certificate on record: issuer, vehicle class and use, accidents, policy and certificate numbers, coverage window, status, and any annulment or rectification. SOAT and CAT also list what they cover. One lookup, by plate. POST /pe/sbs/soat/v1

Field	Type	Notes
`plate`	string	Required. The vehicle plate to look up, 4-10 characters (letters, digits, hyphens).

curl https://api.croma.run/pe/sbs/soat/v1 \
  -H "Authorization: Bearer $CROMA_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "plate": "ABC123" }'

Response

One lookup answers three reports for the plate: SOAT at the top level, then vehicle_insurance and cat.

Field	Notes
`found`	`true` when SOAT information is reported for the plate.
`plate`	The searched plate (trimmed, uppercased).
`report_date`	When the source generated the report (ISO, when parseable).
`data_through`	The source’s data-currency label (for example `AGOSTO 2026`).
`accident_count`	Accidents covered by SOAT in the last 5 years (siniestralidad).
`has_active_soat`	`true` when a SOAT policy is currently in force (VIGENTE).
`active`	The current (VIGENTE) SOAT policy, or `null` when none is active.
`count`	Number of SOAT policies on record.
`policies[]`	SOAT policy history, newest first. Empty when the plate has no record.
`coverages[]`	What SOAT covers and up to how much (`coverage`, `amount`, in UIT).
`vehicle_insurance`	The private vehicle insurance (Seguro Vehicular) report: `found`, `report_date`, `data_through`, `accident_count`, `count`, `has_active_policy`, `active` and `policies[]`.
`cat`	The CAT report: `found`, `report_date`, `data_through`, `accident_count`, `count`, `has_active_cat`, `active`, `certificates[]` and `coverages[]`.

Each SOAT or vehicle insurance policy has company, vehicle_class, vehicle_use, accident_count, policy_number, certificate_number, start_date and end_date (yyyy-mm-dd when parseable), status (VIGENTE / VENCIDA / ANULADA), annulled_date, annulment_reason (for example falta de pago), rectified_date and comment. A CAT certificate has the same fields except policy_number, and company is the issuing AFOCAT.

{
  "data": {
    "found": true,
    "plate": "ABC123",
    "report_date": "2026-09-29T14:15:20",
    "data_through": "AGOSTO 2026",
    "accident_count": 0,
    "has_active_soat": true,
    "active": {
      "company": "Mapfre Perú",
      "vehicle_class": "Automóvil",
      "vehicle_use": "Particular",
      "accident_count": 0,
      "policy_number": "3022500344335",
      "certificate_number": "1",
      "start_date": "2025-10-05",
      "end_date": "2026-10-05",
      "status": "VIGENTE",
      "annulled_date": null,
      "annulment_reason": null,
      "rectified_date": "2026-04-15",
      "comment": "Rectificada el 15/04/2026."
    },
    "count": 1,
    "policies": [
      {
        "company": "Mapfre Perú",
        "vehicle_class": "Automóvil",
        "vehicle_use": "Particular",
        "accident_count": 0,
        "policy_number": "3022500344335",
        "certificate_number": "1",
        "start_date": "2025-10-05",
        "end_date": "2026-10-05",
        "status": "VIGENTE",
        "annulled_date": null,
        "annulment_reason": null,
        "rectified_date": "2026-04-15",
        "comment": "Rectificada el 15/04/2026."
      }
    ],
    "coverages": [
      {
        "coverage": "Fallecimiento",
        "amount": "4 UIT"
      },
      {
        "coverage": "Gastos médicos",
        "amount": "Hasta 5 UIT"
      }
    ],
    "vehicle_insurance": {
      "found": true,
      "report_date": "2026-09-29T14:15:33",
      "data_through": "AGOSTO 2026",
      "accident_count": 6,
      "count": 1,
      "has_active_policy": false,
      "active": null,
      "policies": [
        {
          "company": "Quálitas",
          "vehicle_class": "Automóvil",
          "vehicle_use": "Particular",
          "accident_count": 0,
          "policy_number": "70133777",
          "certificate_number": "1",
          "start_date": "2024-05-30",
          "end_date": "2025-05-30",
          "status": "ANULADA",
          "annulled_date": "2024-08-31",
          "annulment_reason": "falta de pago",
          "rectified_date": null,
          "comment": "Anulada por falta de pago el 31/08/2024."
        }
      ]
    },
    "cat": {
      "found": true,
      "report_date": "2026-09-29T14:19:31",
      "data_through": "AGOSTO 2026",
      "accident_count": 0,
      "count": 1,
      "has_active_cat": false,
      "active": null,
      "certificates": [
        {
          "company": "AFOCAT SEÑORA ASUNCI",
          "vehicle_class": "Vehículo menor urbano",
          "vehicle_use": "Transporte Urbano",
          "accident_count": 0,
          "certificate_number": "0000036-2024",
          "start_date": "2024-01-11",
          "end_date": "2025-01-11",
          "status": "VENCIDA",
          "annulled_date": null,
          "annulment_reason": null,
          "rectified_date": null,
          "comment": null
        }
      ],
      "coverages": [
        {
          "coverage": "Fallecimiento",
          "amount": "4 UIT"
        },
        {
          "coverage": "Gastos médicos",
          "amount": "Hasta 5 UIT"
        }
      ]
    }
  }
}

SOAT is Peru’s mandatory traffic-accident insurance. CAT (Certificado contra Accidentes de Tránsito) replaces it for public transport vehicles in some provinces and is issued by AFOCATs, regional funds; CAT data starts in 2022. Seguro Vehicular is the private insurance a driver buys on top. Each report has its own accident_count: the accidents covered under it in the last five years. found: false inside a report means the plate has nothing on record for that report.

This lookup can take longer than a typical request. It is an async job. By default the request waits inline and returns { data }, or you can poll / use a callback_url.

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SBS SOAT, CAT and Vehicle Insurance Report

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