Warm garment to take to the cleaners (6)
I believe the answer is:
fleece
I believe this is a double definition.
'warm garment' is the first definition.
(warm item of clothing)
'take to the cleaners' is the second definition.
(both can mean to cheat or defraud)
'to' acts as a link.
(Other definitions for fleece that I've seen before include "warm garment" , "Swindle - wool removed from sheep" , "Outer coat of sheep" , "Sheepskin - rook" , "Plunder; charge (someone) exorbitantly" .)