1. Where the consumer exercises the right of withdrawal under Article 16b, the consumer may only be required to pay for the service actually provided by the trader in accordance with the distance contract. The consumer shall pay for that service without undue delay. The amount payable shall not:

(a) exceed an amount which is in proportion to the extent of the service already provided in comparison with the full coverage of the distance contract;

(b) in any case be such that it could be construed as a penalty.

2. Member States may provide that consumers cannot be required to pay any amount for withdrawing from an insurance contract.