Note the advice of my dermatologist: in fact we can not put in enough, so it must be considered that a cream has about 2 times less efficient than what there is on the label. In other words:
A FPS20 mean in principle that if you put 10 minutes to catch a sunburn without cream, cream multipile this duration by 20 = 200 minutes, or just over 3 hours. Therefore must recover from the cream after 3 hours. Now, if we follow the advice of the dermatologist, divide by two, so FPS20 = FPS10 or 100 minutes - so 1 hour and a half. Obviously this depends on your responsiveness to sunburn.
And now to understand the risk: a tan is a skin reaction against aggression. so even with cream, it is rather bad, ca abyss stem cells that make the skin continuously, so it makes wrinkles, spots, etc .., and if one is unlucky, a cancer.
Sunburn is a burn, it's 10 times worse. If we catch between 3 and 20 years old ca seriously increases the risk of cancer at age 40. Even then, some of the few cells are permanently destroyed, what will make others work a little more, and increase the risk.
And to top it all, the sunburn on a child under 3 years is very very serious, so it should not even expose babies, even with cream with maximum index.
Come on, good holiday anyway.