I work for an insurance company,and it isn't Elephant!, does it actually say that you have paid that premium for the c/car or is it just stating how much it would cost if you had taken it
Most schedules of Insurance are very confusing,you will need to speak to Elephant and state what you believe,ie you paid the premium,they will be able to check this very easily,if you didn't and it is just showing the premium if you wanted it,then you cant demand a c/car,and will have to fork out for one yourself .
If you need any more advice you can PM me mate,I will try to help

Mat