insufficient material
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[COMMENT DELETED]
Apr 3, 2015
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#2
Why should white have lost on time? Black had insufficient material to checkmate. According to the rules, that's a draw.
If your opponent's time is at 0 and you do not have enough material to even technically be able to win the game: Then it's a draw. I wasn't aware of this myself, but after I got a draw where I actually expected to win the game I took a closer look at this. It's one of the FIDE rules you will probably not be aware of until it actually happens.
A loss on time means your opponent is given the best result his position allows, which the above is a draw as black could never checkmate white. Had roles been reversed white would have won because he could give checkmate on the board.