Insurance allowed one to sleep more comfortably? (8)

I believe the answer is:

coverlet

I'm a little stuck... Click here to teach me more about this clue!

'one to sleep more comfortably?' is the definition.
I can't judge whether this defines the answer.

'insurance allowed' is the wordplay.
'insurance' becomes 'cover' (I've seen this before).
'allowed' becomes 'let' (to let is to allow or permit).
'cover'+'let'='COVERLET'

Can you help me to learn more?

(Other definitions for coverlet that I've seen before include "Bedspread" , "quilt" , "spread" .)

I've seen this clue in The Irish Times.

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