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That would only be insufficient material if white runs out of time.
In that case, @bigD521 is correct that black would win if it's under FIDE regulations.
Rxg8 Bxg8 it is now KN vs KB. Why is this not a draw? From post #2 there is no mention of time.
copied -
If both sides have any one of the following, and there are no pawns on the board:
A lone king
a king and bishop
a king and knight
In the above scenarios the game will end in a draw, because it is not possible to force mate against a lone king with that material. You have a king and bishop your opponent has a king and bishop? It’s a draw! A king and bishop vs a king and a knight? Draw! And so on.
Maybe it does immediately in a draw; though it probably shouldn't be and should rely on the timeout or 50 move rule instead.