A grey sky is no reason to give up on the rest of an outfit. These umbrellas fold down small enough to live at the bottom of a handbag, and they come back out without a fuss. Gingham checks sit alongside polka dots, stripes, small floral prints and plain canopies, in colours that run from black and navy through burgundy, teal and khaki to brighter fuchsia and dusty pink. Opening is manual, semi-automatic or fully automatic, so the choice comes down to what your hands are already doing on a wet morning.

Our folding umbrellas for women

Which canopy pattern goes with your coat

Pattern is what people actually see from across the street. Pick one that works with the coat you wear most, rather than the one that looks best on a screen.

Pattern families found in this selection and the looks they suit
PatternWhat it looks likeSits well with
Gingham checksEven squares, from navy and teal to khaki and burgundyA plain wool coat or a trench
Polka dotsLight spots on a dark ground, or bolder pairings such as fuchsia and greyDark winter coats that need lifting
StripesFine lines that read as almost plain, or wide bands in several coloursDenim and casual weekend layers
Floral printsSmall, close-set flowers in soft tonesLighter spring coats and mid-season jackets
Plain canopiesOne solid colour, black or burgundyAlmost anything, including printed coats

Manual, semi-automatic or automatic: what changes in the rain

All three keep you equally dry. What differs is the gesture you make stepping off a bus with a bag already in one hand. Manual models have the least to go wrong: you push the runner up the shaft yourself. Semi-automatic ones open at the press of a button and close by hand, which is why they are the most common compromise. Fully automatic models do both at the button, and that matters when only one hand is free.

Living with a folding umbrella

A folding shaft comes in several sections, so the whole thing drops into a city bag and slides back into its sleeve. A full-length walking umbrella never does. The trade-off is that it hates being packed away soaking wet. Let the canopy dry open before you fold it and you avoid set-in creases and the musty smell that follows them.

Matching an umbrella to the rest of your rainwear

An open umbrella takes up more of your silhouette than any bag. When the coat is quiet, a patterned canopy becomes the one spot of colour and carries the whole look. When the coat is already printed, plain is the safer answer.

The same logic applies to whatever else is on show. A scarf for damp mornings sits right under the canopy, so it is easier to echo a colour than to add a second pattern.

Hands are in view the whole time, gripping the shaft. Gloves for cold, wet days, in a shade already on the canopy, are enough to make the whole thing look deliberate.

The rest of our seasonal accessories for women follows the same rule: one colour running through, one pattern in charge, and nothing fights for attention.