Crossword Genius

Leading hotel on a budget finally getting suitable cover (3,3)

Ross

I believe the answer is:

'suitable cover' is the definition.
(formal covering for one's head)

'leading hotel on a budget finally' is the wordplay.
'leading' becomes 'top' (both can mean first-class).
'hotel' becomes 'h' (phonetic alphabet: alpha, bravo, charlie etc.).
'on' is a charade indicator (letters next to each other).
'finally' indicates one should take the final letters.
The final letter of 'budget' is 't'.
'top'+'h'+'a'+'t'='TOP-HAT'

'getting' is the link.

(Other definitions for top hat that I've seen before include "1935 Fred Astaire/Ginger Rogers film", "Astaire musical", "It's seen with tails", "Formal headgear for man", "Film with Astaire and Rogers".)

I've seen this clue in The Telegraph.