Should harness installed. Wifey will be a lot happier next time my 7-year-old is in the back seat with me. I will be, too. I went with the non-retractable as she's the only one that really rides back there, and if others do, they can adjust it pretty easily. Reminds me of my old '69 Firebird that had a 'two-point' harness. One seat belt for shoulder, and one for lap. I had to undo the shoulder belt to change the radio station. Ha. I digress. It looks good feels secure and I'll be doing the other side as soon as I get the other seat belt delivered.