After trying all the options I couldn’t quite manage to get the tight seat belt off my shoulder and away from my neck which was a real irritant in the t-shirt weather we’ve had this year but finally, the problem has been solved. Halfords sell a cheap plastic clamp called a Seat Belt Stopper which limits the return travel of the belt and allows just sufficient leeway to keep the belt away from my neck without compromising on safety. All for about a fiver.