It will depend on how strong the sun is where you are (generally strongest between 10am-4pm).
Going for 5 minutes an hour over 4 hours is roughly the same as a single 20 minute exposure, given the sun strength is the same.
You’re more likely to burn with longer exposures, that’s true. But sun damage occurs even without a burn. So while a sunBURN won’t really build up with a few 5 minute exposures, the underlying sun damage will. Does that make sense?
The sun’s dangerous rays come through windows, and can be reflected as well.
Best advice, use that sunscreen daily, even for short exposures.
Latest Answers