A cover for a seating and/or cargo area and doors of a vehicle includes front, middle and rear panels or portions. Door panels are attached to an upper portion of left and right sides of the front panel. Left and right front straps are spaced apart and attached to the front panel. Rear straps are attached to the rear panel. Window inserts are attachable to the left and right side door panels. For vehicles having fold-up seats, the cover may include a rear panel having independently foldable first, second, and optionally third sections attached by a zipper, and split seat top clips on opposite sides of the zipper. First and second top seats straps are attached on opposite sides of the rear panel. The fold-up seats, which may be split or un-split seats, may be folded up or down, without displacing or removing the cover.