The present invention is directed to a composition and method for protecting a keratinous substrate from harmful UV rays by applying onto the substrate a composition containing: (a) at least one oil phase thickening agent chosen from an activated clay (b) at least one substantially solid form dispersing aid (c) at least one non-volatile solvent (d) at least one inorganic sunscreen active (e) at least one emulsifier (f) at least one volatile solvent and (g) water, and wherein (a) and (b) are present in the composition in a ratio by weight ranging from greater than 1:4 to less than 1:10.
