Use the below code 

    WebDriverWait wait=new WebDriverWait(driver,10);
    wait.until(ExpectedConditions.elementToBeClickable(By.cssSelector("div>input[type='radio'][name='selectToInsertTemplate']"))).click();

OR can use javascriptExecutor


    WebElement radio = driver.findElement(By.cssSelector("div>input[type='radio'][name='selectToInsertTemplate']"));
    
    JavascriptExecutor js = (JavascriptExecutor)driver;
    js.executeScript("arguments[0].click();", element);