Insulated vs non-insulated - how to choose an autumn jacket that actually works for you?
As autumn rolls around, many people find themselves asking ‘what actually is an insulated jacket?’. A non-insulated jacket is great at keeping the elements out, but does tend to need a few extra layers underneath on cooler days. An insulated jacket, on the other hand, has all the warmth already built in! On a typical rainy day, pairing up a fleece and waterproof is absolutely enough, with insulated jackets instead earning their keep when the temperature drops.
Autumn is notoriously tricky to dress for…
…especially when the forecast insists on treating you to every type of weather in a single afternoon! That’s why choosing the right jacket can really make a huge difference. But, when is an insulated jacket the way to go, and where should a non-insulated jacket be the preferred option?
In this blog, we’ll break down both options, walking you through what ‘insulated jacket’ actually means and offering some simple guidance as to which one is right for you.
Let’s take a look!

What’s the difference between insulated and non-insulated jackets?
The best way to think about insulated and non-insulated jackets is this: non-insulated keeps the weather out, while insulated seals the warmth in.
What is an insulated jacket?
An insulated jacket - like the North Men’s Jacket or Raleigh Women’s Jacket - has a layer of filling between the outer fabric and lining, sealing in the heat close to your chest - just what you need when the winter chill is creeping in!
Whether you’re cheering on the sidelines of a frosty football pitch or waiting for the bus into town, insulated jackets are at their best when you’re taking it easy and the temperature has dropped.
What is a non-insulated jacket?
A non-insulated jacket (also referred to as a shell) is designed to protect you from the elements. Imagine it as the roof on a house: it keeps you dry, but it won't heat the inside. That’ll need to come from a bit of clever layering up.
A good waterproof shell usually has:
-
A breathable waterproof membrane - Keeps the rain out whilst still allowing sweat vapour to escape.
-
Taped seams - Means water can't sneak in.
-
A water-repellent finish - Makes the raindrops bead up and roll off.

Is an insulated jacket too warm for autumn?
Short answer: it depends! If you're out for a brisk lunchtime walk in the sun, it might be. However, fast forward to frosty mornings or any time you stop to catch your breath, and you’ll find a lightweight insulated jacket is exactly what you want.
It’s best to consider:
-
Are you going to be on the go? A brisk walk soon has you feeling warm!
-
What is the weather like? A cool breeze and damp air soon steal away the warmth. This is why insulated jackets (like the Fender insulated jacket) are so good for winter, sealing in the heat when the weather’s at its worst.
So, if you want to wrap up warm, go for a lightweight insulated jacket - you won’t regret it when the wind picks up!
If you’re looking to put the steps in, it’s time for one of our non-insulated waterproof jackets over a fleece or shacket to keep you protected from the elements without overheating.
What's the most versatile jacket for autumn?
For most people, it's a waterproof shell with a few layers underneath, which give you that much needed flexibility as the weather changes.
-
The weather is unpredictable - Whether it’s a cold Monday morning commute or a drizzly evening dog walk, a non-insulated, waterproof shell will be able to handle it no problem.
-
You're on the move - Hikes, long dog walks and cycling commutes all create heat that a shell lets escape.
-
It’s pouring it down - A fully waterproof shell with taped seams is the most reliable protection in heavy or persistent rain.
-
You want one jacket for most of the year: A shell works in spring, summer showers and autumn, and in winter with warmer layers underneath.
In short, if you value versatility in a jacket, go for a waterproof non-insulated jacket. If it’s warmth you’re after, stick to the insulated jackets!
So, insulated vs non-insulated?
Now that you know the answer to ‘what does an insulated jacket mean’, which one should you go for?
-
Out and about in all weathers? Opt for a waterproof shell and add some layers underneath. It offers the most flexibility, working all year round.
-
Mostly still, or out in the cold? This is where a lightweight insulated jacket will really shine - ideally with a synthetic fill and a shower-resistant outer layer.
-
Want one you can grab without a second thought? A 3-in-1 jacket, or a light insulated jacket, you can wear under a waterproof jacket, gives you the flexibility of layering in a single jacket.
Whatever you choose, the aim is to find a jacket that works across the whole season - pick the one that works best for you!
To explore our full range, head over to our store. For more tips and tricks, our blog has it all, from How to Re-Waterproof a Coat to The Best Dog Fleeces for Winter Walks.