What means 'intention'?
'Intention' means that a certain success or consequence is brought about consciously and deliberately. One can not only actively act intentionally, but also deliberately refrain from any necessary action, e.g. assistance. This means that the acting or omitting person is aware of the consequences of his action or omission and wants to achieve exactly these consequences (through action or omission).
Of course, the goal of an action or omission does not necessarily have to be a negative success. One can also consciously and deliberately do someone good, for example after an accident to secure the accident site. In connection with an insurance benefit, which usually presupposes a negative influence on a thing or a person (damage), the word intention is however exclusively negatively afflicted. The main point is the so-called intentional cause of a claim. If a loss has arisen due to an intentional act, the insurer is not obliged to pay compensation. See also § 81 para. 1 of the Insurance Contract Act (VVG).