Abstract: A protective loincloth garment as shown in FIG. 1 and generally referred to as 30, serving to shield and insulate the sensitive groin and inner thighs from cold, wind, and wet weather while the wearer sits astride a motocycle. An aesthetic, comfortable, flexible, insulated, wind and weather resistant protective garment that depends in front of the groin and inner thigh areas by means of suspensory straps 10 placed so as to not interfere with the functioning of conventional belt, chaps or clothing. The garment 30 is partially or fully detachable from conventional chaps, belt or belt loops by means of a plurality of decorative or simple fasteners 16-18 attached to the suspensory straps 10. The terminals of the suspensory straps 10 pass over a belt or through belt loops and then secure to the protective garment body 50 by coupling the fasteners 16-18. The protective garment 30 is of a length L to securely tuck between the legs.