Here's a UK explanation for if it's useful...... - duvet - most people use these now. It's a padded fluffy bed cover which keeps you warm. You buy a duvet that's the same size as your bed, and they come in different grades, from a small amount of warmth to extremely warm. They are filled with either down/feathers or with a synthetic filling. You always buy a duvet cover and this can be any colour or design, usually bought as a set with two pillow cases. A duvet cover is like two sheets sewn together, and you take it off the duvet to wash it. - quilt - is sort of old fasioned, but still used, usually with a sheet underneath (you wash the sheet but not the quilt). A quilt is padded and is there to give warmth. It doesn't have a cover and is often very beautiful, like for example a patchwork quilt.