An insurance policy exclusion for 'loss or damage caused intentionally' by the insured requires proof that the insured intended to cause the loss or damage, not merely that the insured intended the act which caused the damage. Where psychiatric evidence establishes that a suicidal person would have been totally focused on achieving death with no thought of consequences to others, the factual inference that a person intends the natural consequences of their acts is displaced, and the exclusion clause does not apply. The Briginshaw standard applies to allegations of suicide, and the inherent unlikelihood of a young person taking their own life for no apparent reason is a factor in applying that standard.
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