Yeah, so this game in live I was just about to lose ended as a draw due to "insufficient material". Now I'm no grandmaster, but that just seems wrong to me.

well if the other his time ran out, then you should win. you havent enough material to mate him though, so its a draw. see? 

If your opponent, being two pawns, a bishop, a rook, and TWO QUEENS ahead can't mate you before his clock runs out, it's his own fault. Especially since an immediate ...Qe4 is mate.

Yeah, I'd have understood a time win, but the game was recorded as a *draw*, so there must be a bug in the system.

It's not a bug. At least not if what the other posters possibly assume is true and your opponent timed out in the above position. In that case you are awarded a draw, as you have only the bare king left and thereby "insufficient material" to even theoretically mate your opponent.

Ah, I see. Is that official tournament rules, or just site policy?

Official tournament rules.

The FIDE rules say something like "the game is a draw if the player whose opponent ran out of time cannot possibly deliver checkmate from the given position, not even against the worst possible play" (paraphrased).

This is very complex (K+2N vs K cannot force mate, but it is still a win under this rule when the player with the lone king runs out of time). K+N vs K cannot checkmate, but K+N vs K+rook pawn can.

So there are cases that are very hard to arbitrate even over the board. Presumably, chess.com's rule is a simplified version of the official tournament rule, since it is extremely hard to implement the actual rule.

Real insufficient material

 I hope that it wasn't your wife telling you that? 

Ouch.

For the others, thanks for the info.

It's not really that hard. There are positions where you can't force mate but you can mate if the opponent plays into the mate. Other positions can't end up in mate even if both sides try. The rule says that if you can't mate with worst play for the weaker side it is a draw. 2xN+K vs K is a win because you actually can mate someone that is not playing his best but you can never force the mating pattern.Most of these positions are well known and are not that hard to program into the game. Should work as intended I think.

 Next time say Qce4 or Q2e4

BQe4

black should,ve took care of bizzzz. way to much power he could,ve

risked a stalemate.