Over or Under? by Pip Harry and Hilary Jean Tapper is a distinctly Australian story, from the landscape to the scenarios.
Maisie is learning how to swim safely. With her Dad by her side she practices jumping waves and knowing when it's better to dive under them.
When Maisie hesitates to dive under a bigger wave, she discovers the strength of the water as it tumbles her about and dumps her. Maisie's fortunate that Dad's there to pull her to safety.