Transient adhesion effects in rolling–sliding contacts influence all aspects of train–track interaction. This is of high importance specifically when these effects result in critically low adhesion, which poses a risk to traction and braking of railway vehicles. This study presents a model that can replicate the transient changes of the coefficient of adhesion with tested water and solid particle mix. The experimental data for the model are measured using a commercial ball-on-disc tribometer. The experimental results showed a liquid reservoir in front of the contact area that slowly reduces in size. This observation was used in the modelling approach to divide the calculation into two stages where the reservoir is present and when it disappears. The model was able to reproduce the occurrence of low adhesion region seen in experimental results with different particle concentrations.