It offers higher personal cover (3)

I believe the answer is:

top

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'cover' is the definition.
(topping is a kind of covering)

'it offers higher personal' is the wordplay.
'it' becomes 't' (abbreviation. e.g. in 'tis).
'offers' becomes 'o' (this could be a standard abbreviation I've not previously seen).
'higher' suggests taking the first letters (I've seen 'highest of' mean this (top letter - down clues only)).
The first letter of 'personal' is 'p'.
't'+'o'+'p'='TOP'

Can you help me to learn more?

(Other definitions for top that I've seen before include "Peak; child's toy" , "Toy; garment" , "The circus tent can be a big one" , "Uppermost part" , "Upper side" .)

I've seen this clue in the Evening Standard.

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