INSERT INTO Beispiel (beispiel1,beispiel2,beispiel3) VALUES(?,?,?),
undef,test1,test2;

my %element;
$element{liste} =
[
   { art => "textfield", name => "nachname",
     bez  => "Nachname:",   size => 20},
   { art => "textfield", name => "vorname",
     bez  => "Vorname:",     size => 20},
   { art => "popup_menu", name => "zimmerbett",
     bez  => "Zimmer/Bett:",},
   { art => "popup_menu", name => "anrede",
     bez  => "Anrede:",},
....
]

INSERT INTO kontakte (nachname,vorname,zimmerbett,anrede,...) VALUES(?,?,?,?,...),
"param ('nachname')","param ('vorname')","param ('zimmerbett')","param ('anrede')";

my %mappings_form2db = (
  # form  => db
  counter => 'count'          ,
  name    => 'name'           ,
  tel     => 'telephoneNumber',
);
my $cgi = CGI->new();
my %params = $cgi->Vars();
# hier dann die gueltigkeit ueberpruefen
# ...
# und dann das sql bauen:
my $sql = qq~INSERT INTO table (~
  . join (', ', values %mappings_form2db)
  . qq~) VALUES (~
  . join(', ', map { $dbh->quote($params{$_} ) } keys %mappings_form2db
  . ")";