Sir Tim Berners-Lee told BBC News he would change his internet provider if it introduced such a system.
Plans by leading internet providers to use Phorm, a company which tracks web activity to create personalised adverts, have sparked controversy.
Sir Tim said he did not want his ISP to track which websites he visited.
"I want to know if I look up a whole lot of books about some form of cancer that that's not going to get to my insurance company and I'm going to find my insurance premium is going to go up by 5% because they've figured I'm looking at those books," he said.
Sir Tim said his data and web history belonged to him.
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