A 5-point harness has 5 straps that come down from the seat: one for each shoulder, one for each hip, and one that goes between the legs. A 3-point harness, on the other hand, only has 3 straps: one for each shoulder and one that goes between the legs. The 5-point harness is considered to be safer in the event of a crash as it helps to distribute the force of the impact more evenly across the body.