My questions are:

1) if i executinig UPDATE, INSERT, DELERE can i solve problem with RBS, if i lost instance?
Every intsance has its own RBSs, so if you loose an instance with an uncommited transaction you loose the transaction. The select will continue but only if TYPE=SELECT in the clients tnsnames.ora.

2) if i lost cable connection, can i solve problem with (ORA-3113 - End of communication channel)
using ((METHOD=preconnect) (TYPE=select))
Yes, but what do you mean by cable connection? I would not suggest preconnect (except if you can afford the memory).

Use this for TAF:

Code:
OPS1_ADS4.WORLD =
 (DESCRIPTION_LIST = (LOAD_BALANCE=OFF)
  (DESCRIPTION = 
    (ADDRESS = (PROTOCOL = TCP)(HOST = 199.55.227.55)(PORT = 1521))
    (CONNECT_DATA = (SERVICE_NAME = ADS4)(INSTANCE_NAME=ADS01)
                    (FAILOVER_MODE = (TYPE = SESSION)(METHOD = BASIC)(BACKUP=OPS2_ADS4))
    )
  )
  )
 )

OPS2_ADS4.WORLD =
 (DESCRIPTION_LIST = (LOAD_BALANCE=OFF)
  (DESCRIPTION = 
    (ADDRESS = (PROTOCOL = TCP)(HOST = 199.55.227.55)(PORT = 1521))
    (CONNECT_DATA = (SERVICE_NAME = ADS4)(INSTANCE_NAME=ADS02)
                    (FAILOVER_MODE = (TYPE = SESSION)(METHOD = BASIC)(BACKUP=OPS1_ADS4))
    )
  )
  )
 )
You may replace SESSION with SELECT.