Various thin film flow models have been proposed in literature to study the flow of fluids in thin layers. These models have been widely used when the thin fluid film is only object of interest. However, these models are not applicable when a bulk flowing fluid hits a curved surface and forms a thin layer of fluid over it. Such scenarios commonly occur, for example, in cleaning processes in the food industry. Simulations of such flow typically rely on bulk (3D) fluid models, with excessively fine resolutions in the thin flow regions, which make them prohibitively expensive. In this talk, we present a novel adaptive fluid modelling framework to simulate coupled bulk-surface fluid flow. The proposed framework uses a traditional 3D Navier--Stokes model for bulk fluid flow, and switches to a pseudo 2D thin film flow model when appropriate. The bulk and thin film flow both involve free surfaces and can undergo significant deformations. Thus, the bulk fluid and thin film fluid layers are both modelled using meshfree methods. Thus, this forms a meshfree-meshfree coupling. The framework proposed automatically identifies regions where the thin film model is applicable, and adaptively changes the fluid model used. In this talk, we will discuss how the models are coupled, and how mass conservation is ensured when switching between the two meshless models. Numerical results are verified against fine bulk simulations, and applications to cleaning simulations in the food industry, and automotive water crossing simulations are presented.