I bought this just before my trip to Belize a few weeks ago. The sun was fierce and the bugs were everywhere. I used this every day on my head, face, and neck -- even in my hair (I don't have very much of it). I never got burned once -- a very effective sunblock with a nice fruity scent and a clean feel.
The bug repellent part of things was less effective, but under normal circumstances (not being surrounded by black flies, mosquitos and sand flies), I would expect it to work fine.
Great product and highly recommended!