Sir Andrew Dilnot

“cheaper, but would fail to cover catastrophic costs and to protect houses and savings”

“"the Scottish system does not protect homes and savings" because care home residents are still left paying tens of thousands of pounds a year.”

“very substantial”

“a very substantial sum of money . . . well in excess of £18bn [a year]”

“A new NHS-style social care system could take decades to be implemented... the cost would become very, very large”

“well in excess of £18bn”

“Most people are not going to need much. A small number are going to need a lot.”

“Most people are not going to need much. A small number are going to need a lot. That, he argued, makes social care fundamentally an insurance issue - because it's the uncertainty, not the average cost, that can devastate a household's finances.”

“Most people are not going to need much. A small number are going to need a lot”

“There's nothing you can do to protect yourself against care costs, you can't insure it because the private sector won't insure it, and by refusing to implement the cap that Conservatives are now saying they're not going to provide social insurance for it. So people will be left helpless knowing that what will happen is if they're unlucky enough to suffer the need for care costs, they'll be entirely on their own until they're down to the last £100,000, all of their wealth including their house.”

“I think it's perfectly, perfectly feasible for the government to expect … by the end of 2025, to say: 'Actually, we know what needs to be done, this is what we're going to do.'”