Sarah Chapman Skin Insurance Spf 50+
83/100 overall score
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About this sunscreen
The Sarah Chapman Skin Insurance SPF 50+ is a hybrid sunscreen using a modern filter mix: ethylhexyl methoxycinnamate, Tinosorb S, Uvinul A Plus, ethylhexyl triazone, and Tinosorb M. It finishes matte, stays lightweight, keeps white cast low, and rates well as a makeup base. It is non-stinging and low for pore-clogging. With a strong 82.9/100 score and excellent protection, it is one of the top all-round picks in this set.
Ingredient & SPF scores
☀️
UV protection
Excellent
100
- +18 Ethylhexyl Methoxycinnamate at #2, UV filter
- +48 Bis-Ethylhexyloxyphenol Methoxyphenyl Triazine at #3, UV filter (UVA1 +16)
- +34.2 Diethylamino Hydroxybenzoyl Hexyl Benzoate at #5, UV filter (UVA1 +20.9)
- +20.9 Ethylhexyl Triazone at #6, UV filter
- +38.4 Methylene Bis-Benzotriazolyl Tetramethylbutylphenol at #12, UV filter (UVA1 +14.4)
- −37.7 UVB coverage saturated
- −15.5 UVA2 coverage saturated
- −6.3 UVA1 coverage saturated
- +2 Label claims (SPF 50)
☢️
Health safety
High
64
- +100 Starting score
- −36 Octinoxate at #2 (regulatory/evidence concern)
🤧
Allergens
Medium
60
- +100 Starting score
- −18 Fragrance
- −12 6 declared fragrance allergens
- −4 Essential oils (Pelargonium Graveolens Flower Oil, Rosa Damascena Flower Oil)
- −6 Sensitizers from 3 different categories
👻
White cast
Low
96
- +100 Starting score
- −2 Titanium Dioxide as pigment (CI 77891) at #85
- −6 Tinosorb M at #12
- +4 Iron-oxide undertone, partial masking
🔥
Eye sting
Low
67
- +100 Starting score
- −16 Octinoxate at #2, migrates into eyes with sweat
- −1 Volatile alcohol at #28
- −8 Fragrance
- −8 5 declared fragrance allergens
🍄
Fungal acne
Medium
73
- +100 Starting score
- −18 2 oils/butters that feed Malassezia (Helianthus Annuus Seed Oil, Lecithin)
- −9 1 long-chain (C12+) esters that feed Malassezia (Polyglyceryl-5 Trioleate)
👕
Fabric stains
Medium
45
- +100 Starting score
- −15 Uvinul A Plus (DHHB) at #5, oil-soluble UVA filter, fabric stains
- −40 Iron-oxide pigments at #86, makeup-like collar marks (washable)
💧
Moisture
Light
LightNourishing
- ← 2 Volatile alcohol at #28
- ← 4.5 3 sebum-absorbing powders (Silica, Sodium Starch Octenylsuccinate, Vinyl Dimethicone/Methicone Silsesquioxane Crosspolymer)
- ← 5 Volatile carriers flash off, leaving a dry finish
- → 1 Glycerin at #20, the anchor humectant
- → 2 2 strong humectants (Saccharide Isomerate, Ectoin)
- → 2 2 emollient lipids (Squalane, Helianthus Annuus Seed Oil)
✨
Finish
Matte
MatteDewy
- ← 3 3 sebum-absorbing powders (Vinyl Dimethicone/Methicone Silsesquioxane Crosspolymer, Sodium Starch Octenylsuccinate, Silica)
- ← 4 Volatile carriers flash off, leaving a dry finish
- ← 0.5 Volatile alcohol at #28
- ← 2 1 dry-touch emollients reduce greasy shine (Dicaprylyl Ether)
- → 2 2 emollient lipids (Helianthus Annuus Seed Oil, Squalane)
💄
Makeup base
Good
PillsPrimer
- → 6 Primer-style base, volatile silicones and dimethicone slip
- → 8 1 velvet elastomer fillers, blur and grip
- ← 0.5 Gel polymers prone to pilling under friction (Ammonium Acryloyldimethyltaurate/VP Copolymer)
🌊
Water resistance
Not resistant
Non-water-resistantWater-resistant
Nothing flagged in the ingredient list.
How we rate water resistance →Full ingredient list (88)
What each ingredient does and how it moves each rating: green helps, red hurts, ↑ / ↓ give the direction, and ← / → shift a slider toward its ends (finish, moisture, makeup base). Auto-derived from our scoring rules and the ingredient's position.
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1 Water
Solvent base, the water phase
-
Legacy UV filter (Octinoxate), high in the list, a primary filter
- ↑ 18 UV protection
- ↑ 16 migrates into eyes with sweat
-
Modern UV filter, broad-spectrum and photostable (Tinosorb S), high in the list, a primary filter
- ↑ 48 UV protection, incl. long-UVA (UVA1)
-
Volatile silicone, flashes off for a light finish
- light ← 5 volatile carrier, flashes off
- matte ← 4 volatile carrier, flashes off
-
Modern UV filter, broad-spectrum and photostable (Uvinul A Plus)
- ↑ 34.2 UV protection, incl. long-UVA (UVA1)
- ↑ 15 oil-soluble UVA filter, fabric stains
-
Modern UV filter, broad-spectrum and photostable (Uvinul T 150)
- ↑ 20.9 UV protection
-
Emollient, softens and smooths skin
- matte ← 2 dry-touch emollient, anti-shine
-
Emollient, softens and smooths skin
-
Emulsifier, keeps oil and water blended
-
Humectant, pulls water into the skin
-
Emulsifier, keeps oil and water blended
-
Modern UV filter, broad-spectrum and photostable (Tinosorb M), low in the list, likely a minor contributor
- ↑ 38.4 UV protection, incl. long-UVA (UVA1)
-
Mattifying powder, absorbs oil and blurs the finish
- light ← 1.5 sebum-absorbing powder
- matte ← 1 sebum-absorbing powder
-
Supporting ingredient
-
15 Isomalt
Humectant, pulls water into the skin
-
Preservative, keeps the formula from spoiling
-
Emollient, softens and smooths skin
-
Emollient, softens and smooths skin
-
Emollient, softens and smooths skin
-
20 Glycerin
Humectant, pulls water into the skin
- 1 → nourishing the anchor humectant
-
Thickener and texture, structures the gel or cream
-
Supporting ingredient
-
Botanical extract
- 1 → nourishing emollient lipid
- 1 → dewy emollient lipid
- ↑ 9 feeds malassezia
-
Humectant, pulls water into the skin
- 1 → nourishing humectant
-
Supporting ingredient
-
26 Xanthan Gum
Thickener and texture, structures the gel or cream
-
27 Squalane
Emollient, softens and smooths skin
- 1 → nourishing emollient lipid
- 1 → dewy emollient lipid
-
28 Alcohol
Volatile alcohol, a drying solvent that can sting eyes
-
Supporting ingredient
-
Emulsifier, keeps oil and water blended
-
31 Benzoic Acid
Preservative, keeps the formula from spoiling
-
Antioxidant, protects the formula and skin
-
Plant oil, an emollient
-
Botanical extract
-
35 Citric Acid
pH adjuster
-
Preservative, keeps the formula from spoiling
-
Botanical extract
-
Fatty alcohol, an emollient and thickener, not the drying kind
-
Botanical extract
-
40 Fragrance
Fragrance
-
41 Lecithin
Emulsifier, keeps oil and water blended
- ↑ 9 feeds malassezia
-
Botanical extract
-
Supporting ingredient
-
44 Ectoin
Soothing, skin-conditioning active
- 1 → nourishing humectant
-
Supporting ingredient
-
46 Niacinamide
Soothing, skin-conditioning active
-
Botanical extract
-
Mattifying powder, absorbs oil and blurs the finish
- light ← 1.5 sebum-absorbing powder
- matte ← 1 sebum-absorbing powder
-
Supporting ingredient
-
50 Maltodextrin
Humectant, pulls water into the skin
-
Botanical extract
-
Antioxidant, protects the formula and skin
-
Botanical extract
-
Botanical extract
-
Emulsifier, keeps oil and water blended
- ↑ 9 feeds malassezia
-
Plant oil, an emollient
-
Preservative, keeps the formula from spoiling
-
Preservative, keeps the formula from spoiling
-
59 Allantoin
Soothing, skin-conditioning active
-
Soothing, skin-conditioning active
-
Botanical extract
-
Humectant, pulls water into the skin
-
Botanical extract
-
Antioxidant, protects the formula and skin
-
65 Tocopherol
Antioxidant, protects the formula and skin
-
Botanical extract
-
pH adjuster
-
Supporting ingredient
-
Botanical extract
-
pH adjuster
-
Humectant, pulls water into the skin
-
72 Sorbic Acid
Preservative, keeps the formula from spoiling
-
Protein, peptide or amino acid, conditions and hydrates skin
-
74 Silica
Mattifying powder, absorbs oil and blurs the finish
- light ← 1.5 sebum-absorbing powder
- matte ← 1 sebum-absorbing powder
-
Protein, peptide or amino acid, conditions and hydrates skin
-
76 BHT
Antioxidant, protects the formula and skin
-
77 Dextran
Supporting ingredient
-
Protein, peptide or amino acid, conditions and hydrates skin
-
79 Linalool
Fragrance component, a declared allergen
-
80 Limonene
Fragrance component, a declared allergen
-
Fragrance component, a declared allergen
-
82 Citronellol
Fragrance component, a declared allergen
-
83 Geraniol
Fragrance component, a declared allergen
-
84 Farnesol
Fragrance component, a declared allergen
-
Colorant or pigment
-
86 Ci 77492
Colorant or pigment
- ↑ 40 makeup-like collar marks (washable)
-
87 Ci 77491
Colorant or pigment
-
88 Ci 77499
Colorant or pigment
Is the Sarah Chapman Skin Insurance good for oily skin?
It is generally well suited. It finishes matte, stays lightweight, and rates low for pore-clogging, which tends to suit oily skin.
Is the Sarah Chapman Skin Insurance Spf 50+ mineral or chemical?
It is a hybrid sunscreen using a modern filter mix: ethylhexyl methoxycinnamate, Tinosorb S, Uvinul A Plus, ethylhexyl triazone, and Tinosorb M.
Is the Sarah Chapman Skin Insurance SPF 50+ good?
Yes. It scores 82.9/100 with excellent protection, works well under makeup, and is one of the top all-round picks in this set.