AddCar refused my credit card insurance and forced me to buy theirs, how can I handle this?

If AddCar refused your credit card insurance and forced you to buy theirs and you want to challenge it;

Gather proof;

• Credit card insurance certificate
• Coverage letter showing:
– Collision Damage Waiver (CDW)
– Theft protection
• Pickup contract showing forced insurance charge
• Any emails confirming original terms

Understand common tactics;

• Some companies require:
– High deposit if using own insurance
– Specific wording in coverage letter
• But they cannot force add-ons if terms allowed alternatives

Contact AddCar support;

• State:
– You had valid credit card coverage
– You were forced to buy their insurance
• Provide:
– Booking reference
– Insurance certificate
– Pickup invoice showing extra charge

• Ask them to:
– Justify refusal in writing
– Refund forced insurance fee

If unresolved, file a complaint on Xolvie to seek a resolution.