Which characteristic is Oscar's vehicle least likely to meet, making insurance difficult?

The characteristic that Oscar's vehicle is least likely to meet, making insurance difficult, is the large number of similar exposure units. In insurance, a large number of similar exposure units is critical because it allows insurers to use statistical analysis to determine rates and spread risk across many policyholders. When there are fewer vehicles that are alike, it becomes challenging for insurance companies to estimate the likelihood of claims accurately and to set fair premiums.

Without a substantial pool of similar vehicles, the insurer lacks the necessary data to understand loss experiences effectively. This can lead to higher uncertainty in assessing risks and potential losses associated with insuring Oscar's vehicle. Consequently, the ability to offer reliable coverage at an affordable price diminishes noticeably. In contrast, high predictability of losses, accurate estimation of risk, and the ability to quantify potential losses are attributes that facilitate the underwriting process and overall insurance feasibility.