Yes, she was. That is almost certain. When she said "What else could I have been except naive?", she was all but saying that she was a virgin.
However, the idea that she had "never been in love", is not necessarily true at all. She may well have, for example, loved a young soldier who died in WW1. Their love may have never been consumated, or he also may not have requited her love. Well, unrequited love does tend to be a pattern.
And despite the "earlier more moralising age", I suspect Ursula would have chosen fto wait for the opportunity or invitation to make love to a man she was in love with. That opportunity may never have been granted her, had she lived in any age. Not because she is ugly or unappealing, on the contrary, because she is "nice". She could never, for example, reject Andrea as Olga does at one point. And it takes such "smart technique", i.e., appearing "not needy" to get someone you love into bed. Ursula did not know that.
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