F1 22

this one popped when i changed the sunglasses for my character, even though i removed the hat.

from the menu, to F1 Life.
on Customisation and to Casual and Racewear.

chose your character or create a new one, and from here, the first thing on the list to change is your headwear. this appears to only unlock after choosing another item (such as another hat or in my case, another pair of sunglasses). i was already wearing a hat, but when i removed it, no achievement, but once i changed sunglasses style, it unlocked

Under "F1 Life" tab, go to Customisation.
Click "Casual & Race Wear"
Change something in your casual wear and the achievement will unlock!

You have clothing options to change, you don't have to pay for any of the ones with the PitCoins to get this achievement thankfully.