The next level up from combining the previous two policies is comprehensive insurance. Adding to the already broad coverage these two provide, comprehensive cover typically also includes accidental damage, even when the fault lies squarely at your feet. There are some providers who might also include contents cover with comprehensive as well as protection for external features, but this is by no means universal, so be sure to check exactly what each version of this policy includes.
In the age of handheld and portable technology, the chances are that your motorhome will contain highly valuable items at some point. With mobile phones and laptops worth well in excess of £1,000, not to mention satnavs and in-car entertainment systems, it would be an enormous oversight to not have this policy in place. Again, a lot will depend on how responsible you are for the security of the vehicle and its contents, so keeping such devices out of the view of would be thieves will ensure you remain covered.