look up any word, like cleveland steamer:
 
1.
A woman that you are sleeping with. A female that is not a steady girlfriend, just an occasional lay.
From Roots Mini Series: A scene where slaves are being transported by ship to America.
Crew Member: "Captain"
Captain: "Yes"
Crew Member: "Will you be needing a belly warmer tonight?"
Captain: "No!, I do not believe in fornication"
by Ted Striker June 26, 2007
 
2.
Generously proportioned knickers. Underwear that also keep the belly warm. 'Apple Catchers'
After dinner she gave me the green light for some rumpy pumpy however the passion was killed when I discovered she was wearing belly warmers so big she could tuck her boobs in them.
by gmc August 08, 2006