Abstract: Disclosed is a versatile article of manufacture for use by persons engaged in recreational activities such as those associated with the beach. The article, typically made of fabric, has a tubular upper half attached to a depending panel equipped with ties or fasteners. The upper end of the tubular portion has a central opening between a pair of corner openings rendering the article selectively usable as a garment for a person wearing a bathing suit, as a protective cover for a vehicle seat while occupied by bathers en route to and from the beach, and as a cover for a beach chair. The tubular portion of the article may be imprinted with designs on both the back and the front sides and worn with either design facing forwardly.