auto-insert-alist

[DrMemory]

I am having some trouble with auto-insertion.

According to the documentation, the "Action" can be a filename, in
which case its contents are to be inserted. However, when I try this,
I get no auto-insertion when I visit a new file:

(setq auto-insert-alist
      (append '(((".*ltr.*\\.tex$" . "Letter") . "~/leg/ltr.tex"))
              auto-insert-alist))

I changed it to:

(setq auto-insert-alist
      (append '(((".*ltr.*\\.tex$" . "Letter") . 
         (insert-file-contents "~/leg/ltr.tex")))
              auto-insert-alist))

And now I am prompted for autoinsertion, but the result is just to
have the string "~/leg/ltr.tex" inserted in the new file.

I hope someone can tell me what I am doing wrong...