Pic: huffingtonpost.com

We need little encouragement to throw caution to the wind and add another cool cover up to our heaving coat collection.

So we’ve done all the legwork and found you some snug stylish buys to ogle – plus we’ve thrown in the accessories to wear them with.

Bring on the brrrr!

There’s a lot to love about this one from Topshop.com for £75. The navy/black combo is a winner; the subtle jacquard fabric acts as a foil to the boxy shape. Wear it with everyone’s go-to outfit of jeans and a stripe tee for dressed down chic. This collar is pretty perfect: rich colours, not too jangly and no overblown flowers. It’s ticking a lot of boxes. We hear ya, €172 is a lot of moolah for the nocturne bewjewelled Selena necklace but that’s just how Anthropologie roll.

There are only middle of the road sizes left of this gem on TheOutnet.com but I couldn’t resist including its mustardy goodness. Simple and chic this See By Chloe design hits the androgyny nail on the head. Guess what? It’s yours for €228. While everyone else rests on their laurels you can snap up all the hottest pieces. Numero uno is this Passigtti stripe print scarf for €55 bucks at Arnotts.

You can still get by with a lighter weight cover up for another few weeks and this H&M number is the business. I heart the cape type dealio, the long length and its distinctly designer ways. Lastly it’s €49.95. That’s a bargain worth hunting down in my book. I love - and am very close to hitting the order button on - this Lacambra bag. It might not be an all singing all dancing bag but what it lacks in in-yer-face looks it makes up for in other ways. Its small stature will force me to downsize, the tassel jazzes things up nicely and the chain handle acts like extra jewellery. What’s not to love? Yours, or well, mine for €89 at Mylacambra.com.

Berlin shoe, €71.