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I doubt that our Healeys are going to do real well on the Insurance Institute for Highway Safety crash tests, but my thinking is something is better than nothing. I went with the 3-point belts over the lap belts. My reasoning is that without a shoulder restraint the odds of my head smashing into something hard and unfriendly would be increased dramatically. For obvious reasons, the steering column is nicknamed "the javelin" and I'd prefer not to be skewered through the chest like some extra in "Spartacus". If you look in the Moss Motors catalog they sell a 3-point belt for Healeys at reasonable cost. They also advertise a retractable belt, but I don't believe the shoulder strap retractor will mount to the two studs in the rear interior panel.