Crossword Genius

One covering couples in car damaged in New York? (9,6)

Ross

I believe the answer is:

insurance policy

'one' is the definition.
Although both the answer and definition are singular nouns, I don't understand how one could define the other.

'covering couples in car damaged in new york?' is the wordplay.
'covering' indicates putting letters inside.
'damaged' indicates anagramming the letters.
'in new york?' becomes 'iny' (this could be a standard abbreviation which I don't know about).
'couples'+'in'+'car'='couplesincar'
'couplesincar' with letters rearranged gives 'surancepolic'.
'surancepolic' inserted within 'iny' is 'INSURANCE POLICY'.

(Another definition for insurance policy that I've seen is " contract that offers protection".)

I've seen this clue in The Times.
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