Maybe it is time to start some controlled crying, where you lay her down, walk away and let her cry for a little while.  Our 11 month old girl is the same, but after about 5 mins, is happy to play herself to sleep. 

It is a tough method and you really do need to be able to block the crying out and resist the urge to go rushing in.  My little sister was a cat napper and when my parents decided it was time for the controlled crying, my dad had to sit on my mum to stop her going in, but it worked.

A disturbed routine will upset her somewhat, but make the routine about what happens, not what time it all happens.  Try and avoid letting her get over tired and have a background noise like a tv or radio that you can turn down gradually.

Hi it sounds like something has happened to make her scared of her cot? has anything crawled in there? thats all i can think of

what about giving her a few toys in her cot till she goes to sleep then get them out i do this with my 16 mnth old she still has two sleeps during the day

belxxx

Hey :)
Firstly you have said you give in. This is just encouraging her behaviour.

That said she is at an age where she might be ready to drop a nap. At about 11 months both my sons were sleeping 2 naps a day. One at around 10am the other at around 4. But it wasn't long after 1 that they both dropped a sleep and were only going down for a lunch sleep. I have also heard of kids who don't nap. She might be one of these kids.

Other than either crying it out and not giving in and letting her play, I have no suggestions unless you just let her drop that nap?