Coldfusion:problems inserting values of comma seperated list in database

Can anybody explain how I get the values of a comma seperated list in a database field. The comma seperated lis is created by choice from different check boxes:

<cfif isDefined ('form.beach')>
<cfset form.beach = ' beach view'>
<cfelse>
<cfset form.beach = ''>
</cfif>
<cfif isDefined ('form.countryside')>
<cfset form.countryside = ' countryside'>
<cfelse>
<cfset form.countryside = ''>
</cfif>
<cfif isDefined ('form.mountain')>
<cfset form.mountain = ' mountain'>
<cfelse>
<cfset form.mountain = ''>
</cfif>
<cfscript>
 list = arrayNew(1);
 list[1] = "#form.beach#";
 list[2] = "#form.countryside#";
 list[3] = "#form.mountain#";
</cfscript>
<cfscript>    
<cfset list =listToArray(form.beach&','&countryside&','&form.mountain);>
</cfscript>

But when I use #list# in my insert statement I get the following error:

Complex object types cannot be converted to simple values.  
The expression has requested a variable or an intermediate expression result as a simple value, however, the result cannot be converted to a simple value. Simple values are strings, numbers, boolean values, and date/time values. Queries, arrays, and COM objects are examples of complex values. 
The most likely cause of the error is that you are trying to use a complex value as a simple one. For example, you might be trying to use a query variable in a <CFIF> tag. This was possible in ColdFusion 2.0 but creates an error in later versions.

What am i doing wrong?