If your child is not driving, they have no right to add her to the insurance. YOU have th obligation to notify the insurance Co. if you have another licensed driver, but it is not automatic that they MUST add the driver to your policy. Suppose she had her OWN policy? In your case, she is not driving at all. They have to be concerned ONLY with the actual drivers in your family.
I have such a situation in my household. The insurance company is aware that there are five LICENSED drivers in my house, but only four of them drive. We are NOT charged for the fifth. If she would drive and have an accident, they would have the right to refuse to pay, but they do not charge if she is not on my policy.