Is this a hoverfly?

[ultramarine]

I didn't see this fly hovering but it landed on some cotoneaster flowers. The flower in the photo is about a centimetre across. I cant make out whether the whitish bands are part of the insect or because it looks slightly powdery, could it just be pollen? Strange configuration though if its pollen.
Thanks

[Matt Smith]

The two pairs of wings means it's not a fly. This is a honey bee, the white bands on the abdomen are areas of surface prunosity (powdery decoration)and / or very short hairs.

[ultramarine]

Thank you Matt.
I never would have thought of honey bee. Crazy though it may seem, the honey bee is one species I'm a bit hazy about.