I'm in my mid-30s and love the Garnier Nutritionist range - they have creams for all skin types and some have SPF 15. The woman I sit next to at work is in her mid-40s and prefers GARNIER ULTRA LIFT SPF15 CREAM because it's a bit more heavy duty! You can usually get these for under �7 (supermarkets usually have special offers on and the Superdrug website is currently offering a discount too. You can also sometimes get it cheap on eBay).
These seem to moisturise your skin well without feeling heavy and they don't upset my sensitive skin.