I think she is very self conscious about her body. I was the same way.
Before the first time me and my boyfriend first had sex, we had been almost naked and eventually completely naked with each other. We sort of built up to it.
I was very insecure and I don't like my body very much. It has help SO MUCH that my boyfriend always tells me how for instance my thighs are hot, my belly, my boobs, everything, and touches those places gently when he does (these are the things I most dislike about my body). Eventually, I have started to believe him, and around him, I don't think about my body at all.
And I think it would be a good idea for you guys to do something similar. That maybe you don't need to have sex everytime you are naked? To maybe just explore each other? It helped for me, anyway. And afterwards I did not need to think about how my body looked all the time, I got more confidence in bed and I started taking initiative to more kinky and wild stuff
