You make it sound even more complicated :/ If copper carbonate is insoluble, it shoud not be written in the ionic form. That's what I know from books And this question is doing the complete opposite.Well, I'm not quite sure of this, but from what I know, the hydrogen being more reactive will replace the copper in the solution (that will lead to copper (II) chloride being formed), and hydrogen carbonate is soluble so it will break down into ions CO3- + H+ ----> CO2 + H2O (balanced eq. is CO3 + 2H+ ---> CO2 + H2O).
The H+ from the Acid reacts with the Carbonate ion to form carbon dioxide and water and a salt (Copper II chloride) since these are the general products from the Acid + Metal Carbonate reaction.