Abstract: A towel adapted to be wearable over the head with a wearer's cap or hat to protect the head from unpleasant weather conditions such as cold, wind, dust and ultraviolet (uv) rays. The towel has an opening dimensioned to receive the crown of a headgear. A size adjustment means attached to the edge of the opening enables to releasablely secure the towel body onto the headgear. The body portions determined by the opening when the towel is worn comprise at least one horizontal portion which is wide enough to cover a visor or a brim and at least one vertical portion which is long enough to drape at least over the shoulder. The horizontal body portion is capable of expanding coverage outwardly from the wearer's head along the visor or the brim, and the vertical body portion is capable of increasing coverage downwardly to the upper body.