It is common in online games that you cannot be awarded a win on time if you have insufficient material to have won otherwise. You'll find that built into a lot of online chess sites.
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I am a beginner and I played against a beginner who had a queen and a king against my king in the endgame. However, he or she couldn't really mate me (might be a little difficult for beginners) so I went around with the king as fast as I could because (s)he had very little time left so fast moves were necessary. Eventually, there was no time left. So I won on time! However, it said that there was insufficient material and that the game was a draw. Is thisn really correct according to the rules of the game?