Assuming the quote is correct, the actual words of the coroner seem perfectly reasonable to me:
"I cannot determine if she was ... listening with earphone at the time, but if she had been, it could have caused a distraction and could have contributed to the cause of the accident."
To my mind a sensible factual statement which doesn't justify the conclusion in the newspaper headline.
One thing that stuck out from the newspaper report for me was:
Ms Norton’s 18speed Carrera racing cycle was found in its lowest gear
Lowest gear on an 18 speed is going to be pretty low so suggests a pretty low speed. Sometimes you get a steep hill just before a junction, so a quick look at that map to see where the accident happened - which shows that Flatgate is as unhilly as its name suggests, and more significantly has no roundabout on the three different sources I looked at.
I can guess at explanations for these discrepancies, but it doesn't leave me with much faith in the accuracy of the piece as a whole.