I doubt if it's an insurance matter, Bramley. There's been no damage. The tray simply wasn't installed properly.
Even if it's on an upstairs timber floor, a tray should be fully bedded. That means on a layer of sand & cement, or plaster. It's not to "stick it down", but to prevent movement and squeaking.
With modern heavy stone trays, even a thin bead of silicone sealant is enough.
If you can get at the bit that's jumping up and down, then you may be lucky with a wedge driven in... then cut off. Otherwise, the only thing is to take the tray out and bed it properly.