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We live in NZ and nowadays UV index at noon lingers at extreme index of 11-12.
However it's quite cloudy day and we cover the pram and position it in a way that the baby wouldn't get direct exposure.
However, I feel that she still might get way too much exposure via rays dispersed by clouds (side ways) and some passing thru fabric.
It is a myth that clouds protect fro UV rays. WHO says generally some clouds can reduce the intensity but other clouds may even enhance it.
Additional protection like tree shadow, sun milk, sun umbrella is given advice. The best will be: Don’t go out between 12h and 16h. Especially not when living in N.Z. Remember the ozone hole.)
UV levels are highest under cloudless skies, and cloud cover generally reduces a person's exposure. However, light or thin clouds have little effect and may even enhance UV levels because of scattering. Don't be fooled by an overcast day or a cool breeze! Even a long stay in open shade, for example between buildings, may give a sensitive person a sunburn on a day with high UV levels.
