A garment such as a shirt or pants has a front layer with portions which define a central opening defined by an inner periphery and positionable to overlie a portion of the joint to be protected such as a knee or an elbow. A removable protective insert is larger than the central opening and has a unitary cap sewn thereto. The cap has an upper segment separated from a lower segment by a bending joint defined by at least one groove which extends substantially across the cap. The upper segment and the lower segment are separately fixed to the protective insert by stitching. The upper segment and the lower segment have an outwardly projecting flange which overlies the protective insert, the flange having portions which engage the front layer of the garment between the cap flange and the protective insert. A slot in the insert ventilates through the front layer.