Hi, I suggest to hire a private 1 : 1/2 swimming coach to your daughter in the first few months and make her conquer the scare of water first(they will 'tum' her and if she really don't want to put her head inside water, they can still make her keep moving), my daughter is the same situation with yours at the beginning, extremely scared of water, if you put her to group lessons, she will probably just keep crying or stand there watching other children swim. And eventually, she may even get cold more easily as she didn't move.......