"Partial Own Cover" ?

It all depends really. You don't list any of the things that they are saying are now 'extras', so nobody can really say whether or not they are being reasonable, or moving the goalposts.

As a possibility, may I suggest (if you are eligible due to IAM or profession) trying Cornmarket Insurance. I've been with them a number of years now (as have other backroomers), and I think we're quite savvy and only too willing to switch if we think we're being ripped off.