Suggestion of lover to necessitate blankets (8)
I believe the answer is:
overtone
'suggestion' is the definition.
(I've seen this before)
'of lover to necessitate blankets' is the wordplay.
'of' indicates the answer is hidden within the clue.
'OVERTONE' is hidden within 'lover to necessitate blankets'.
(Other definitions for overtone that I've seen before include "Subtle implication or connotation" , "Association" , "Subtle extra meaning" , "Hint" , "Suggestion" .)