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The improved insulative liner assembly is for use with jeep-type vehicles having canopy roofs and the like. The assembly includes a thermally insulated top panel of quilted cloth, or the like, preferably having a metallized heat reflective layer. The panel is adapted to fit below the vehicle roof canopy and contains hooks or the like to releasably secure it to the transverse roof beams in the vehicle. A pair of thermally insulated rear side panels are connected, preferably releasably by snaps, to the perimeter of the top panel, depend therefrom and bear bunge cords with s hooks or the like at their lower ends to releasably connected them to the interior rear side frame of the vehicle. A thermally insulated rear panel may be similarly connected to the rear of the top panel and bear bunge cords and hooks or the like to hold it in place against the rear interior of the vehicle. Thermally insulated front side panels, each having front and rear portions, are adapted to lap over the side door frames and releasably clip to themselves. One or more of the panels may bear decorative indicia and/or have thermally insulated windows and/or pockets, sleeves, racks or the like. The assembly keeps out the wind and cold and helps to reduce road noise and protect the vehicle occupants.