HI have been noticing these for a couple of years now and wondering what they were and then found this dead one to photograph. They look like very much like a Bee Fly but have much clearer bee colours than the other pictures I have found. Black head then yellow/black/yellow/black/gold.
This is not a fly, but a proper bee. I can't tell what species, but it may be the Early Bumblebee Bombus pratorum, a male. I have photographed a similar specimen in my garden yesterday. Here is a page with info on the species.