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.