Moves to cover one person who can’t spell with arse essentially in minimal attire (6,9)

I haven't cracked this one yet — but the brilliant team at Fifteensquared have:

BUDGES ("moves") to cover I (one) + MUGGLE ("person who can't (cast a) spell", i,e, not a wizard like Harry Potter) with (a) RS (e) [ essentially ] "Budgie smugglers" is another name for a tight pair of bathing trunks.