I know you've said you've tried diversions but have you tried giving her something to hold/play with? My 12 mo is a wriggler and will touch his nether regions (yucko when covered in poo!). I give him strange stuff to hold - a dummy still in its package; crinkly wrapping paper that makes a noise; an almost empty packet of wipes (providing he doesn't pull them out and suck them ...). Things that he'd never ordinarily hold and/or play with. It's a hard one and I just think you've got to try and be as inventive as you can to distract them. Good luck.