A HOMEOWNER had a lucky escape after a car clipped a tram, causing it to derail and plough into his home in a dramatic crash overnight.

Paul Wilson had just gone to bed when the C-class tram came crashing through the front wall of his Kew home.

“I had just gone to bed and next thing I notice the tram its here, its jolted the bed. I’ve virtually just rolled out and plaster starts coming down off the roof,” he told Sky News.

“I thought there was an accident out the front and I thought, oh yeah, another car smash and then there was a second bang and a third bang ... the fence came through smashed into the car that was the second bang, and the third bang was the wall.”

The 58-year-old female driver of the car was trapped in her vehicle after the crash and taken to hospital with minor injuries.

The tram’s two passengers and driver were not injured.

Metropolitan Fire Brigade Commander Bob Lanigan said the car and tram collided head-on near the High and Childers streets intersection about 11.15pm.

He said Mr Wilson was lucky to escape injury.

“He was awoken by some loud bangs and heard something coming through his front yard,” he told ABC News.

“It actually impacted his bedroom but he’s OK, just a bit shaken as you’d imagine.”

media_camera A woman was trapped in her car after it collided with a tram in Melbourne overnight. Picture: Nicole Garmston

Commander Lanigan said the driver of the car suffered minor injuries.

“She seems to be okay, no doubt in some shock and knocked about a bit,” he said.

Gas and electricity isolated their services to the area after the tram ran over a gas meter on a residential property and came to rest touching overhead wires.

Chaotic scenes at Kew where a tram came off the tracks and ploughed into the front of a house. #9News https://t.co/Btm019AyI5 — Nine News Melbourne (@9NewsMelb) May 16, 2016

Police are investigating the cause of the crash but believe the car went onto wrong side of road, clipping the tram and causing it to come off the rails.

Saade Melki, a neighbour of Mr Wilson’s, said he was lucky to escape without injury.

“We were amazed when we came out and saw the actual tram and how close it was to our place,” he told Channel 9.

“More so how close it was to the guy’s front living room, he’s very lucky.”

Originally published as Next thing I noticed a tram in my house