The one time that I had this problem, I thought that it had to be physical, but it was pyschological. I believe that it was my body's way of telling me that things weren't quite 'right' in the relationship, and therefore my body wasn't cooperating with me.
But, that was my personal experience, and might not be the reason in your case, but I think that it's something worth considering.
In the meantime, try using lubrication, if anything, it is fun to use.
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