Bedding etc unfortunately restricts active lover (8)
I believe the answer is:
coverlet
'bedding' is the definition.
(coverlet is a kind of bedding)
'etc unfortunately restricts active lover' is the wordplay.
'unfortunately' indicates an anagram.
'restricts' is an insertion indicator.
'active' indicates an anagram (the letters are active/moving).
'etc' is an anagram of 'cet'.
'lover' anagrammed gives 'overl'.
'cet' going around 'overl' is 'COVERLET'.
(Other definitions for coverlet that I've seen before include "Bedspread" , "quilt" , "spread" .)