Harris's defence barrister suggested that "sexual chemistry" had developed between the pair, and the woman had instigated sexual encounters with him.
But under cross-examination at London's Southwark Crown Court, the alleged victim denied the encounters were consensual, and described how Harris's alleged abuse had led to her "loathing" herself.
The woman, who was a friend of Harris's daughter Bindi, has claimed the star abused her from the age of 13, when he first assaulted her on a holiday in Hawaii, and there were sexual encounters between the pair until she was 28.
Harris denies 12 charges of indecent assault between 1968 and 1986, seven relating to the woman.
His defence barrister Sonia Woodley QC said the girl became jealous after she and Bindi drifted apart when the Harrises moved away, and also because of Bindi's friendship with another girl.
Ms Woodley said on one occasion the woman actively flirted with Harris, guiding him to sit on the bed she was in. She said: "I suggest that because you were jealous over Karen, you flirted with Rolf Harris. You grabbed his elbow, guiding him to sit on the bed."
The jury was told that "sexual chemistry" developed between the pair when the woman stayed at Harris's Berkshire home for a second time. Ms Woodley said: "There was a second occasion when you came over to stay the night and once again he brought you a cup of tea in the morning. There was sexual chemistry between the two of you."
The woman replied: "No, no sexual chemistry at all."
The court heard that the woman's diary of the holiday when she claims the abuse started showed "no hint of unhappiness".
Prosecutor Sasha Wass QC asked the woman: "The defence case is that everything that happened between yourself and Mr Harris was with your consent and that everything that happened happened when you were over 18. Do you agree with that?"
She replied: "No".
Ms Wass said: "It is suggested that not only it was with your consent but that you instigated sexual activity on many occasions?"
She said: "No, I certainly didn't."
The trial continues.