The most common and most likely answer to this crossword clue is the 9 letter word HEADSCARF
I've seen this crossword clue in Independent
H
E
A
D
S
C
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R
F
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The straight part
We know that "Female accessory" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case female accessory = headscarf.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 HEADSCARF mean?
HEADSCARF noun- A more or less square piece of material worn over the head, typically by women, often to protect the hair, or for religious reasons.