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Combinations with insufficient material to checkmate are:

king versus king; king and bishop versus king; king and knight versus king; king and bishop versus king and bishop with the bishops on the same colour. - wikipedia

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Then you have the situations where a check mate is possible but cannot be forced. King and two knights against king cannot force a check mate, but if the player with the lone king knows what they're doing and wants to get check mated, they can help the other player to win. If I'm not mistaken, that counts as a draw even if the clock flags on the player with less material.

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