A central access duvet cover system includes a cover assembly (12), defined by top and bottom fabric layers (14, 16) with a pocket (22) defined between the layers, and which is configured to receive a separate fill layer (18), defined by a blanket or comforter. The bottom fabric layer (16) includes first and second portions with an opening (20) formed therebetween such that the fill layer (18) can be inserted into and taken out of the pocket (22). The opening (20) may be generally centrally located on the bottom fabric layer (16) while extending over a majority of the width of the cover assembly (12). Furthermore, the bottom fabric layer (16) may include retention slots (24) at corner portions (26) thereof, configured to receive fastening elements (28) such as fabric knot buttons provided on the fill layer (18). The system hides the appearance of the fill layer (18) when in use, thereby providing a similar appearance to a conventional duvet cover, while still being easy to assemble and disassemble.