I think its really down to either biting the bullet now, and she pays for being insured for the year.
Or she bites it later down the line - when she is back and has work and can afford insurance.
The downside- she won't accrue any NCB- so premiums will still be high in the future.
The upside - she won't be a brand new driver- but have x years experience.
The one things insurers seem clued up on are where parents tack on siblings to their policy- and then the siblings drive the car as theirs full time...hence the large charge.
No easy way out...insurance for young drivers effectively means a lot of new drivers can't afford to drive when they first pass their tests unless the bank of mum and dad pay for it..
Using a "P" and having a Big Brother Monitor fitted might lower costs...