Queen needs jacket in chilly lakeside resort (6)
I believe the answer is:
annecy
'lakeside resort' is the definition.
(French resort city)
'queen needs jacket in chilly' is the wordplay.
'queen' becomes 'anne' (Queen Anne, 18th-century queen).
'needs' means one lot of letters go next to another.
'jacket in' says to hollow out the word (remove centre letters) (outside letters form the word's 'jacket').
'chilly' with its middle taken out is 'cy'.
'anne'+'cy'='ANNECY'
(Other definitions for annecy that I've seen before include "City of South East France" , "French town" .)