Predicting the vibration discomfort of a vehicle occupant is still challenging. This is due to the non-linear dynamics of the human body and the seat foam as well as the complex coupling between the vehicle floor and the seat. In this paper, a method is developed to predict the vibration transmission to occupant body by combining the transfer matrices of sub-systems including vehicle body, automotive seat, seat foam, and seated human body which are obtained from either physical test or Finite Element model. The structural dynamics of the vehicle body is modelled as a frequency response matrix from measurements at each seat mounting in different orientations. The dynamics of seated occupant body and seat foam are derived from physical tests as a transmissibility matrix. Moreover, the structural dynamics of the occupied automotive seat frame is presented as a transmissibility matrix. The developed prediction method is validated through the comparison of the predicted frequency response functions with the measured values. The results suggest the developed method provided an accurate prediction of the vibration transmitted to a vehicle occupant in a frequency below 100 Hz. This method can be used to assess the vibration discomfort of the vehicle occupants.