I’m no expert on e-book formatting, but I’m about 90% sure that the cover image is just a placeholder. You’ll very likely have to design your own book cover and add the graphic into Scrivener. Or pay someone to design one for you.
Yes, that cover is just a placeholder - have a read through the info document at the top of the novel template that explains about how you need to import your own cover image. But yes, as Robert says, you will need to design your cover image in an art program, import it, and select that instead of the placeholder one.
All the best,
Keith