The first thing I'd do is get a torch and go into the attic to inspect the insulation there.
(This is assuming you have access into the attic - I know it is a dormer bungalow).
Even if you can't see all the insulation, e.g. in the upstairs rooms between the ceiling and the roof, any you can see should give you an indication of the quality of the workmanship/level of insulation.
Also a quick idea would be to get one of those weather stations, (they are fairly cheap) and put the external thermometer on the roof. Check the temprature against the normal outside temprature. This should give you an indication if you are loosing heat out of the roof.
The best observation I've heard is that you only need to heat a house by the amount of heat it loses. Therefore, if you have to use a lot of heat, it has to be going somewhere, and the most likely place is outside through lack of insulation/draughts. Your job now, should you choose to accept it, is to find out where that is occuring. The above ideas are quick ways to get some idea of the causes, the next step is to get an expert to get a definitive cause, and suggested remedy. I think that this would most lilely be an engineer, but am not certain if there are other "insulation experts".
Hope this helps.