Game for which you need a warm cover handy (5)

I believe the answer is:
rugby
'game' is the definition.
(rugby is a sport or game)
'a warm cover handy' is the wordplay.
I cannot really understand how this works, but
'cover' could be 'rug' (rug is a kind of cover) and 'rug' is present in the answer.
The remaining letters 'by' is a valid word which might be clued in a way I don't understand.
This may be the basis of the clue (or it may be nonsense).
'for which you need' is the link.
Can you help me to learn more?
(Other definitions for rugby that I've seen before include "Town in Warwickshire" , "Game with oval ball" , "Game; town" , "Type of football; school" , "Try game?" .)
