You are right, Malcolm. I did not notice that the spotting was in the UK!!!
Have a look at this page:
http://www.gardensafari.net/english/hoverflies.htm
According to this page it could be E. tenax or E. pertinax. "The difference between the two species is the last part of the leg, just above the foot: in E. tenax it is always black and in E. pertinax it is always yellow". I reckon that in your case is E. tenax
Nice spotting, Malcolm. But it is actually a fly disguised as a bee. A Hoverfly. I have a similar one: Eristalis similis.
http://www.projectnoah.org/spottings/292766005
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