The watercourse that caused the problems is just beyond the wooden fence - usually it's around 6 foot below the street level and there's a 2 foot wall to add to that...
It's the fact that the house is so close to that watercourse that dictates the level of excess. All insurers agreed to provide cover under an agreement after the floods a few years ago. They provided the cover, but a £5k excess seems to be pretty standard.
The car (which thankfully is not Lucy's ) is parked outside her house.