It does feel like there should be a better process for this by now, It feels like the entire thing has been set up to try and catch people out. Most holidays are weekend to weekend, and only one days notice is insane. A Monday cut off, with a weeks notice would be a lot more friendly.
Similaly, it's criminal that the FCO hasn't been issuing the established protocol of travel bans, to ensure that holidaymakers can claim insurance. Overall it just stinks of wanting to punish "selfish" holidaymakers who booked a trip to somewhere that the government said was safe. Anyone would think that the cabinet were fun-hating Puritans.