IPA: /ˈsɜːrkoʊt/
KK: /ˈsɜrˌkoʊt/
A loose outer garment worn over armor or clothing, often seen in historical contexts, especially during the Middle Ages.
The knight donned his surcoat before entering the tournament.
Surcoat → It is formed from "sur-" (from Old French *sor*, meaning over or above) and "coat" (from Old French *cote*, meaning a garment). The word "surcoat" refers to a garment worn over another, typically a protective outer layer.
Think of wearing a coat "over" something else — that's what a surcoat is, an outer garment.