Abstract: An apparatus includes a central panel attachable to a seatback and at least one flexible, insulating wing cooperative with the central panel that can be wrapped around a seated user for warmth. The central panel can be strapped to the seatback, or can be part of a central pocket that fits over the seatback. The central pocket can include solid net polyester and/or an elastic material such as polyester spandex. The wings can include tweed, micro-velvet, fleece, and/or imitation fur. In embodiments, when not in use, the wings can be stowed behind the seatback by hook-and-loop attachment or by insertion into a rear stowage pouch. In some automotive embodiments, the central pocket can include a top opening through which a head restraint of a front or rear seat can extend. Various automotive embodiments include a side opening through which a side-impact airbag installed in the seatback can be deployed.