Local people say the woman usually used her bike to get into town from her home across the railway line
A woman believed to be in her eighties has died after a train hit a car on a level crossing.
The collision happened on the Cambrian Coast Railway at Penrhyndeudraeth near Porthmadog in Gwynedd.
Emergency services, including the air ambulance, were called to the scene shortly before noon.
Network Rail said the train involved was not carrying passengers, but was a test train. It was travelling towards Porthmadog.
A spokesman for British Transport Police (BTP) said: "I confirm that an elderly woman had died at the scene.
"She was the sole occupant of the Fiat Punto car which was involved in the collision."
Three crew on the train were uninjured.
The train was travelling towards Porthmadog
An eye witness said the test train had come to a stop about 100 yards beyond the crossing with the car in front.
Roads around the area were closed following the collision.
Trains on the Cambrian Coast Railway terminate at Harlech and Porthmadog, with bus transport being arranged between the two towns.
Network Rail said: "Network Rail are saddened by this tragic incident and our thoughts are with the family.
"We are working closely with police and the relevant safety bodies to investigate what caused this incident."
The local coroner and the Rail Accident Investigation Branch (RAIB) have been informed.