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Eristalis tenax
It looks somewhat like a drone honey bee, and likely gains some degree of protection from this resemblance to a stinging insect. The adults are called drone flies because of this resemblance.
Like other hover flies, they are common visitors to flowers, especially in late summer and autumn, and can be significant pollinators.
Need to be verified! Quite variable and I am really not sure about the IDs on the web!
some type of hoverfly
Diptera: Syrphidae
http://en.wikipedia.org/wiki/Hoverfly