Swimwear for body conscious pre-teen? Surf swimwear?!

I have an incredibly body conscious 11 (almost 12) year old daughter and need to find her some practical swimwear for this year's holiday. She's very tall and thin but won't wear anything that shows off her body (BTW I have no idea why she is like this, but she is despite our reassurances).

Last year she wore an ordinary swimsuit with t-shirts over the top but to be honest, that was heavy and fairly impractical (and I'm not sure all places would allow it anyway). I've been googling and have found some rash vests which I think would be ok, but I have no idea what you wear with these?! I've found some board shorts but surely these gape? (Or are you meant to wear something underneath them, I can't tell?)

I have looked at the sun suits but these all seem to be designed for younger kids and not older ones. She is very fair, so to be honest it is better that she is covered up anyway.

The other thing is, I really don't want to have to spend a fortune as money is a little tight at the moment. Any suggestions please?
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