My bike was financed by BAFL (Bajaj finance). And I cleared the EMI on Feb 2006. They gave me the papers, but till date I have not gone to the DTO office for the removal of Hypothecation. Is there any problem if I approach them now? I heard that the document expires after few months. Do I need to ask BAFL for the same once again? Also I have not renewed my Insurance last year. Is there any problem.