Without cover

I took out a funeral policy with Hollard and was under the impression we had cover i recently wanted to increase the policy to find out that the policy had lapsed a year ago, i was told i was sent an SMS in December which i cannot recall, i was not sent any other notification, they cannot re-instate the policy and to take out a new policy i must wait the period of 12 months i feel was unfair i was never told that the only communication was with SMS and i am now informed we dont have cover whilst we are devestated. Please HELP ME