Cryptic crossword clue
Bill’s loving partner wearing fleeces and wraps 7

The most common and most likely answer to this crossword clue is the 7 letter word COCOONS

I've seen this crossword clue in Financial Times
C
O
C
O
O
N
S

Buddy explains!

The straight part
We know that "wraps" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case wraps = cocoons.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does COCOONS mean?

COCOONS noun
  1. The silky protective case spun by the larvae of some insects in which they metamorphose, the pupa.
  2. Any similar protective case, whether real or metaphorical.
COCOONS verb
  1. To envelop in a protective case
  2. To withdraw into such a case.

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