Putting a coat on, eg never shivering outside home (9)
I believe the answer is:
veneering
'putting a coat on' is the definition.
(putting on a veneer)
'eg never shivering outside home' is the wordplay.
'shivering' indicates an anagram.
'outside' is an insertion indicator.
'home' becomes 'in' (to be in is to be (at) home).
'eg'+'never'='egnever'
'egnever' anagrammed gives 'veneerg'.
'veneerg' placed around 'in' is 'VENEERING'.
(Other definitions for veneering that I've seen before include "Social climbing couple (Our Mutual Friend)" , "Dickensian character" , "Facing" , "Thin covering of wood" , "hiding in wood?" .)